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Personal Banking


Student Checking

Designed for students1, this is the perfect choice if you want a no-hassle checking account that doesn't cost you to use it.

Unique Account Benefits

  • No direct deposit requirement
  • No minimum balance requirement
  • No monthly maintenance fee2
  • $25 bonus when you open a Cardinal Bank Visa® CheckCard3
  • Free first order of checks2

Plus, Every Account Comes With:

Account Requirements

  • Minimum opening deposit: $50
  • Minimum daily balance requirement to avoid maintenance fee: $0
  • Monthly maintenance fee if minimum account balance not met: $0

Open an Account Today

Follow the links below to open a Student Checking Account for:


1 Student Checking is available to students 18 or older.  Students who are 15, 16 or 17 may open a Student Checking account when it is joint with a parent or legal guardian. 
2Check printing charges and other charges may apply.
3Bonus subject to tax reporting.
4e-Statements are required and are available through Online Banking. Online bill pay will not be available to students who are 15, 16 or 17.
5Cardinal Mobile Banking is free. Message and data rates may apply from your wireless carrier.
6 No fee for using non-Cardinal ATMs. ATM owner may impose surcharge.
7 Rebate may be subject to tax reporting.


View our Disclosures & Fee Schedules, including our Children's Online Privacy Protection Act Disclosure.