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If you have been denied a checking account at a bank, this is your Second Chance.

Second Chance Checking is designed for those who may have had a few bumps in the road. If a member is successful with this account over a 12-month period, he or she may be eligible to enroll in one of our standard checking products.


  • No Minimum Balance
  • FREE Online Banking
  • FREE Online Statements
  • FREE Debit Card
  • FREE Direct Deposit (Required)
  • FREE ATM Transactions (Cardinal-Owned ATMs)
  • 5 FREE (Non-Cardinal) ATM Transactions Per Month
  • 10 FREE Bill-Pay Transactions Per Month, $0.50 Thereafter.
  • Unlimited Teller Transactions

This account includes a low monthly maintenance fee of $8.95. Direct deposit is required with this account. No checks are issued, but a debit card is issued following the first direct deposit into the account.

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