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Personal Banking


Mobile Comparison Chart

Use the comparison chart to help find the right Mobile Banking solution for you.

Feature Text Message Banking Mobile Web Mobile Apps
Ideal For Quick access to account balances and recent transaction history The most robust Mobile Banking experience and account access Access to accounts via their AndroidTM phone or tablet, iPhone® or iPad®, or KindleTM Fire
Requirements Any phone with text messaging capabilities Any mobile device with Web browsing and a data plan Download app to device
Enrollment Must be enrolled in Online Banking and must register phone in Online Banking in the Mobile Banking & Alerts section Must be enrolled in Online Banking Enroll through the App or in Online Banking
Login No login – simply text command to 454545 using registered phone Use Online Banking login credentials Use Online Banking login credentials
Eligible Accounts Checking, Savings, Money Market accounts Cardinal Bank accounts available in Online Banking Cardinal Bank accounts available in Online Banking 
View Current Balance Yes Yes Yes
View Transaction History Last 5 transactions from primary account Up to 60 days Up to 60 days
View Account Nicknames No Yes Yes
Make Deposits No No Yes3
Make Transfers1 One-time immediate One-time immediate or Recurring One-time immediate


No Yes
Make Payments and Manage Bill Pay No Make payments, View/Edit/Delete pending payments, View payment history Create new bill payees, Make payments, Cancel payments, View pending payments
View Rates No Yes No
Find Branch/ATMs No Locations & Directions Locations & Directions
Set and Receive Alerts

Yes, create balance alerts to help manage your finances


Yes. The balance alerts you create in Online Banking will notify you through the App and Push Notifications

Get Help List of commands and descriptions Contact Us Information Call Cardinal Bank,   Email Cardinal Bank
Link To N/A Cardinal Privacy Policy Cardinal Privacy Policy
Cancel Service Cancel anytime by texting STOP or deactivating in Online Banking    
Security Features Account masking 128 bit encryption

Login not stored on device

Automatic logout for inactivity

Lockout of account due to invalid login attempts

Challenge questions

Account masking

128 bit encryption

Login not stored on device

Automatic logout for inactivity

Lockout of account due to invalid login attempts

Account masking

Cost Free2 Free2  Free2 
  Learn More Learn More Learn More
Tips Add 454545 to your contacts on your phone

If your phone is disabled or you change carriers, do not use Text Banking until you reactive your phone in Online Banking


Download iPhone or iPad App 

Download Android App 

Download the Kindle Fire App

Smartwatch Banking No No Yes. Available for Apple Watch and Android Wear. Learn More.

1 Transfers available between eligible accounts.

2 Cardinal Mobile Banking is free.  Fees may apply from your wireless carrier.

Available for Android phones and tablets,  iPhone and iPad only.

Apple Watch, Touch ID, and iTunes are registered trademarks of Apple, Inc. App Store is a service mark of Apple, Inc.
Anroid is a trademark of Google, Inc.
Amazon, Kindle Fire are trademarks of, Inc. or its affiliates