No Monthly Fee Business Accounts

Tired of paying monthly fees just to have a business account?  At Signature FCU our accounts have no monthly fees or minimum balance requirements so your businesses money, stays in your business.

Standard Business Checking

  • A Visa® debit card you can use anywhere Visa is accepted
  • Dividends paid on your average daily balance
  • One free order of standard checks per year (Special business checks available upon request*)
  • E-statements
  • Access to your accounts 24/7 through our Online Branch
  • Over 30,000 Free ATMs through our Co-Op and CULIANCE Networks
  • 5,000 + Shared branch networks
  • No monthly account fees
  • No minimum balance

Business High-Yield Checking

  • Earn a higher dividend rate - 3.50% Annual Percentage Yield1
  • No minimum balance requirement
  • Limited to one account per member
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our CO-OP and Culiance Networks

To qualify for High-Yield Checking account, you must:

  • Have direct deposit totaling $1,000 or more into your account per month
  • Enroll in Signature e-statements
  • Use your debit card at least 15 times per month for purchases in person or online

1High-Yield Checking has certain requirements that must be met in order to receive the High-Yield APY: The debit card must be used at least 15 times per month and those transactions must post during the month. SFCU calculates the number of transactions from the first day of the month to the last day of the month. There must be a total of $1,000 being directly deposited into the account each month. The member must be enrolled in e-statements and can only have one High-Yield Checking per account. If any of the requirements are not met, the account will earn the standard checking account rate for that month. Balances above $40,000 or accounts not meeting the qualifications earn 0.00% APY, while balances below $40,000 and meeting the qualifications will earn 4.00% APY. Rates are set by the Board of Directors and may change without notice. Fees could reduce earnings on the account.

Overdraft Services

Signature FCU offers several services to help you avoid overdrafts, returned checks, and declined transactions.

Overdraft Coverage Options
Service Cost
Overdraft Protection Link to Another Deposit
Account you have at Signature Federal Credit Union1
$0.00 per transfer fee
Overdraft Protection Line of Credit1, 2 Subject to Interest Charges
Member Privilege $30.00 Member Privilege Fee per item

1Call us at (800) 336.0284 ext. 684, email us at to apply for these services; 2Subject to credit approval.

  1. Overdraft Protection Link to Another Deposit Account: applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Signature Federal Credit Union.
  2. Overdraft Protection Line of Credit: applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from a line of credit you may have at Signature Federal Credit Union for a finance charge. Please note that overdraft lines of credit are subject to credit approval.
  3. Member Privilege: allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Member Privilege is still available as secondary coverage if the other protection source is exhausted. Learn more at

Business Money Market Accounts

Attractive dividend rates make our Money Market accounts a preferred alternative to a standard business checking accounts or locked-in share certificate for many business owners.  Our Money Market accounts allow six withdrawals per month.

  • A consistent, competitive rate
  • Access to your money without an early withdrawal penalty
  • 50 free checks per year

Business Share Certificates

Share Certificates (similar to Certificates of Deposit at traditional banks) offer you the ability to choose your term. With a higher dividend rate than a regular Share Savings account and a low $500 minimum deposit to open, a Signature Share Certificate is an attractive way to build up savings. 

You can elect to transfer your dividends out each month or re-invest them in your certificate to maximize the earning potential. At the time of maturity, you can withdraw a portion or all of your funds or roll the amount into a new Share Certificate at the current market rates.

Visa Business Reporting

Simplify expense tracking with Visa Business Reporting. Visa Business Reporting allows small business cardholders a more efficient way to manage expenses. It provides desktop and mobile access to transaction data so they can track spending and stay on budget — at work or on the go. 

Application Center

Let’s get started on your new business account with Signature FCU. You will need to upload the following documents:

  • Copy of Drivers License or Government Issued ID
  • EIN number on IRS Letterhead
  • Registered Business Name Statement
  • Articles of Organization (If Applicable)
  • Signature FCU Business Account Application

View Business Share Rates Apply for a Business Account Online 

Business Account Application

Account Update Information

If you ever need to update your account information such as adding or removing signers, click on the Business Account Update Form button below. Fill out the form and either mail it to us at PO Box 148 Alexandria, VA 22313-0148, click on the Securely Upload Your Business Application or Update Form button below to submit the documents online, or email it to us at

 Business Account Update Form

Return the completed form by mail or by using our Secure Upload button, we'll take it from there.

mail icon    OR    secure upload

In addition to Signature FCU's business lending and account capabilities, we have also partnered with Newtek, a company that can help with other aspects of your business like tax preparation, payroll services, website help, and more. Click here for more information on the business services Newtek offers.