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Online Account Opening FAQs

Online Account Opening

Questions And Answers

What information will I need to open an account online with Cardinal Bank?

In order to open a Cardinal Bank account you must be at least 18 years old, a U.S. citizen or U.S. resident alien and reside within the markets that Cardinal Bank serves.

In order to complete the application process, you will need your Social Security Number, a valid form of identification (Driver's license, State ID, Military ID or U.S. Passport), previous home address (if you have lived at your current home address less than two years), and the routing number and account number of your checking or savings account from a U.S. bank that will be used to fund your new Cardinal Bank account.

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How long will it take to open my account?

 The application process usually takes about 10 minutes.

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Can I open an account online if I'm not a U.S. Citizen?

You can open an account online if you are a U.S. Citizen or U.S. Resident Alien with a valid U.S. Social Security Number or Taxpayer Identification Number.

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Why do you need my Social Security Number?

We ask for your Social Security number to help verify your identity and, if the account is interest bearing, because we must report interest earned on the account to the IRS using your Social Security Number.

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What information do I need to open a joint account?

You will need the same information that is required for an individual for your joint account holder.

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Is online account opening secure?

We use encryption technology providing a secure transmission of information.

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What type of accounts can I open online?

You can open personal checking, savings, and money market accounts online.  Accounts can be opened either as an individual or joint account.  Custodian relationships cannot be opened online.

If you would like to open a CD, IRA or Kid's Club Savings Account, please use our online form

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How many accounts can I open online at one time?

You may open as many accounts as you would like.  However, we limit the dollar amount you may use to open accounts online.

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How can I make my opening deposit?

If you are opening your account through Cardinal Online Banking, you will be able to fund your new account either by transferring funds from your existing Cardinal Bank account or via ACH from an account you own at another financial institution. If you choose to transfer funds from your existing Cardinal Bank account, the new account will be funded the next business day.  If you choose to fund your new Cardinal Bank account with funds from another financial institution, you will need to verify that account with us.  You have two options to verify your account:  Instant Verification or Challenge Deposit.  The Instant Verification option allows you to enter the Online Banking login credentials from your other financial institution to verify your account.  The Challenge Deposit option places two small deposits in your funding account for you to verify with us.  The deposits typically take 2-3 days to post.  You will receive an email requesting that you verify the amounts.  The email will include a link that will take you back to the application.  After you complete the application, the opening funds will be posted to your new account on the third business day.  

If you are new to Cardinal Bank, you may open your account from in our account opening form.  A representative from one of our banking offices will contact you to open your account. 



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What is Cardinal Bank’s routing and transit number?

Our routing and transit number is 056008849.  You will need the routing and transit number along with your new Cardinal checking, savings or money market account number in order to establish direct deposit (e.g., payroll).

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What can I expect after my account is opened online?

When you submit the application, you will be taken to a page on our website that provides a checklist of ways you can make the most of your new Cardinal Bank account(s).  Also, after you have completed the application, a confirmation e-mail will be sent to the e-mail address you provided during the application process.  A few days after opening your account, you will receive a Welcome Kit in the mail – complete with a checklist to make the most of your new accounts and a signature card.  Please sign the signature card and return it to us in the envelope provided in the Welcome Kit.

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What is an Annual Percentage Yield (APY)?

The 'APY' or Annual Percentage Yield is the rate of return on an interest-bearing account for a one-year period based on the interest rate and frequency of compounding. The APY for an account that pays a variable interest rate (i.e., an interest rate that may change after the account is opened) is a hypothetical rate that assumes that the interest rate will not change, although, in fact, it may change in accordance with the features and terms of the account. The interest rates and APYs for interest-bearing accounts that can be opened online are variable and may change at any time in our discretion without prior notice. The current APY for a particular account is located within the application and on our Rate Sheet.

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Who do I contact with questions about opening a new account online?

If you have any questions about opening an account online, please call us at 703.584.3400 or 800.473.3247.

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How will I know that you've received my new account application?

Once you see the “Confirmation” page that confirms we have received your application. We recommend that you print the confirmation page as it will include both your new account number(s), Cardinal Bank’s routing and transit number (important for establishing direct deposit) and the application confirmation number. 

In some situations, we may have to review your application further before completing the process. If this is the case, you will receive an email from us that your account is under review.

Unfortunately, in some situations we will not be able to open your requested account online.  This may be due to parameters we have established for account opening.  In these situations, we will notify you that we could not open your account online.  If you have any questions or would like to open an account in person, please contact a banking office near you.

In addition, if you selected the “2-3 day verification” method to confirm your funding account, you will need to return to the application once you have received your deposits to confirm the amounts and complete the application process.  We will send you an email with the link to return to the application so that you can complete the process.

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When is the opening deposit processed?

ACH transfers from your existing account at another financial institution to your new account with us will occur in two to three business days.  If you're already a Cardinal Bank customer and elected to transfer funds form an existing account through Online Banking, the transfer will occur on the next business day.  Refer to our Funds Availability Policy for details.

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Can I change the information on my account application?

You can edit your account information, including the initial deposit amount, before you submit your application to us. Simply click on the "Edit" button next to each grouping of information you would like to change from the “Final Look” page.

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How will I receive confirmation that my account has been opened?

We will send you a confirmation e-mail if you provided us with your email address. If you're currently enrolled in Online Banking, you can also log in to see your new account(s).

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Where can I find information about deposit account interest rates?

Deposit interest rates are available on our Rate Sheet.   

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How often will I receive my account statement?

Statements for checking, savings and money market accounts are sent each month.  You can choose to receive them in the mail or as e-Statements within Online Banking.

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Can I view my account activity in Online Banking or Mobile Banking?

Yes.  Simply enroll in Online Banking from our home page – you’ll need your account number in order to complete the process.  Once you enroll in Online Banking, you will be able to view your account activity in Online Banking and Mobile Banking.  

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Is a minimum deposit required to open an account?

Yes, each account has a minimum and maximum amount when opening a new account.  These are displayed on the “Deposit Information” page of the application on our Fee Schedule

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When is the opening deposit processed?

ACH transfers from your existing account at another financial institution to your new account will occur on the third business day. If you are currently a Cardinal Bank customer and are transferring money from an existing account with us, the transfer will occur on the next business day.

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Can I change the information on my account application?

During the application process in Online Banking, you may edit information prior to submitting it to us.  You will see these options on the “Final Look” page before completing the process.

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What is the difference between Individual and Joint ownership?

You have the option to open an account as an individual or a joint ownership.  With an individual ownership, the account is owned only by you and only you can access it. With joint ownership, the account is owned by you and your co-applicant and you both have access to the account.

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What is a Promotion Code?

From time-to-time we may provide a promotion code for special offers.  If you have received a promotion code, please enter it in the field provided.

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Why do you ask for my email address?

We ask for your email address to send you a confirmation notice when the application process is completed.

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Why do you ask whether I already have a checking or savings account with Cardinal Bank?

If you already are a Cardinal Bank customer with Online Banking access, we suggest that you log in to Online Banking to open your new account as it provides you with a shorter application and the ability to open your new account with funds from an existing Cardinal Bank account.

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What is Adobe Reader and why do I need it?

Adobe® Acrobat® ReaderTM is free software used for viewing and printing PDF files. You will need this software installed on your computer in order for your computer to download, display or print the account disclosures. If you don’t have Adobe Acrobat Reader, you can download Adobe Acrobat Reader now.

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Why do you need a signature card?

A signature card represents a legal record of your written signature.  We may need to refer to your signature for certain transactions or situations.

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Can I order checks for my new account?

Yes.  After your checking or money market account is opened, you may contact us at 703.584.3400 or visit a banking office near you to order checks. 

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You ask a lot of questions during the application process. Why?

By providing answers to the questions being asked, you'll help us to verify your identity, better protect your account against fraudulent activity, and help us understand how the account will be used.   

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