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Personal Banking

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General FAQs

Personal Banking - General

Questions And Answers

Are Cardinal Bank deposit accounts FDIC insured?

Yes! Each depositor at Cardinal Bank is insured by the FDIC up to $250,000*. The FDIC insures all deposits at insured banks, including checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an insured bank. If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage -- your deposits are fully insured. The FDIC provides separate insurance coverage for deposit accounts held in different categories of ownership. You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories*Effective May 20, 2009, deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. (This supersedes the October 3, 2008 changes.)  

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What is Cardinal Bank’s routing number?

Cardinal Bank’s routing number is 056008849.  Use the routing number when establishing automatic (ACH) payments or deposits, ordering checks and requesting international and domestic wires.  For additional questions, call our customer service department at 703-584-3400 or 1-800-473-3247.

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Can I transfer funds via wire transfers with my Cardinal Bank checking account?

Yes! Funds can be transferred to and from Cardinal Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at 703.584.3400 or 1.800.473.3247 for details.

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How do I set up Direct Deposit of my payroll check?

After your Cardinal Bank account is opened, you will receive Cardinal Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

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How do I set up Direct Deposit of my Social Security check?

After your Cardinal Bank account is opened, you will receive Cardinal Bank's routing and transit number and your account number. You may contact us and have your Social Security Number and account information available to set up your direct deposit right over the phone.

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What products can I apply for online?

Our online application is available for opening a personal checking, savings, money market, CD, or IRA. Note that while you may use the online account application to submit your request, upon approval, you will need to come into a banking office to complete the process, including signing the signature card and funding your account.  You may also apply online for a consumer loan or line of credit.  Mortgage applications can be completed through our subsidiary, George Mason Mortgage.

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Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?

At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, please call us at 703-584-3400 or contact us online.

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How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. Cardinal Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on the method that's best for you.

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What options do I have to access my account information?

Cardinal Bank offers a variety of options for accessing your account information. You may log in through Online Banking, Mobile Banking, Telephone Banking, call us at 703.584.3400 or visit one of our conveniently located banking offices. Businesses may access their account information through the same services. In addition, businesses may access and manage their accounts with Cash Management Online and CFO on the Go Mobile Banking.

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What information is needed for a wire transfer?

If you anticipate receiving a wire transfer into your Cardinal Bank account you will need to provide the sender (originator of the wire) with the following information.  Incorrect or incomplete information may result in a delay in processing the Wire Transfer.

Incoming Domestic Wire

For an incoming Domestic Wire, please have the sender provide the following recipient information to his/her financial institution:

Beneficiary Bank Name:

Cardinal Bank

Beneficiary Bank Address:

8270 Greensboro Drive

 

McLean, VA 22102

Beneficiary Bank

Routing/ Transit Number:

056008849

Customer/Business (Beneficiary) Account Number:

The account number of theCardinal Bank account to which the funds are being transferred.

Customer/Business (Beneficiary) Name:

Your name, or the name of your business, as it appears on the Cardinal Bank account you are designating to receive the transfer.

Incoming International Wire

Incoming International Wires require additional information, as the transfer is handled by a pass-thru bank to a Cardinal Bank Account, and then transferred to your account.  Cardinal Bank uses the Bank of New York as an intermediary institution when processing Incoming International Wires.

Pay Thru Bank Name

Bank of New York

Swift Code

IRVTUS3N

Beneficiary Bank Name:

Cardinal Bank

Beneficiary Bank Address:

8270 Greensboro Drive

 

McLean, VA 22102

Beneficiary Bank Account

Number: 

8900685131

Customer/Business (Beneficiary) Account Number:

The account number of the Cardinal Bank account to which the funds are being transferred.

Customer/Business (Beneficiary) Name:

Your name, or the name of your business, as it appears on the Cardinal Bank account you are designating to receive the transfer.

 

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