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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:

  • Free Online Banking, eStatements and bill pay4
  • Easy money management and budgeting tools with FinanceWorksTM
  • Free Mobile Banking5
  • Free Cardinal Bank Visa CheckCard
  • Free Rewards with Cardinal CashBack Rewards
  • No fee for using a non-Cardinal ATM6
  • Up to $15.00 ATM surcharge rebate per statement cycle for other ATM owners' surcharges.7
  • No ATM surcharge fee at thousands of ATMs nationwide, simply by using SUM® or MoneyPass® ATMs - list of ATMs also conveniently available through Mobile Banking
  • Free access to Cardinal Telephone Banking
  • Unlimited check writing
  • Easy-to-balance monthly statement and free check imaging

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 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 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.