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Take advantage of the checking account that fits your lifestyle.

All Cardinal checking accounts feature these benefits:

ONLINE BANKING & BILL PAY

ATMs

MOBILE BANKING

MASTERCARD® DEBIT CARD

ONLINE STATEMENTS

Compare our Checking Options

FREE Checking
No Minimum
Interest Checking
Earn dividends
Interest Plus Checking
Earn Big Interest
Designed for active users
Monthly
Maintenance Fee
$0 No monthly fee, no minimum balance$6.95/month
Avoid the fee with $1,000 minimum
average daily balance or $25,000 total banking relationship.
$6.95/month plus dividends forfeited
Fees waived with:
* 10 signature-based debit card
transactions per month. $10 min. per transaction
*At least $500 per month deposited
to your account via direct deposit
Interest bearingInterest bearing with Interest CheckingInterest bearing with Interest Plus Checking
Free checksFree first box of checksFree first box of checks
Discounts on
consumer loans
Discounts on consumer loans with Interest CheckingDiscounts on consumer loans with Interest Plus Checking
Preferred pricing
on CDs
Preferred pricnig on CDs with FREE CheckingPreferred pricnig on CDs with Interest CheckingPreferred pricnig on CDs with Interest Plus Checking
Reimbursement of
non-Cardinal ATM
surcharges
20 Free non-Cardinal ATM
transactions per month
Unlimited Free non-Cardinal
ATM transactions
Mobile DepositMobile deposit with FREE CheckingMobile deposit with Interest CheckingMobile deposit with Interest Plus Checking
Overdraft ProtectionOverdraft protection with FREE CheckingOverdraft protection with Interest CheckingOverdraft protection with Interest Plus Checking
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Smart Start CheckingSmartStart is geared towards young adults, ages 16-26, who would like to take their first step toward financial empowerment. Whether you're a student, working, or just establishing a banking relationship, SmartStart Checking is for you.
Second Change CheckingIf 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.