Getting charged for depositing your own money? No way.

When it comes to accessing your money, you don’t need complicated – you need fast and easy.  That’s how we designed our three Checking accounts.

With no minimum monthly fees, no fee to keep your account open and no minimum balance requirements, you can use the money you save on fees for something you really want to do.

Open an Account     Reorder Checks

Choose from three different Checking accounts based on your checking profile.

Standard Checking

  • A Visa® debit card you can use anywhere
  • Dividends paid on your average daily balance
  • One free order of standard checks per year
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our Co-Op and CU24 Networks
  • 20,000+ branch network

Legacy Checking

  • Available to members who are retired and 55 years or older
  • A higher dividend paid than our free basic Checking account
  • One free order of standard checks per year
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our Co-Op and CU24 Networks
  • 20,000+ branch network

Choice Checking (See below for qualifications)

Our Choice Checking accounts are designed to fit your wants and needs. 

  • Choose from one of these Choice Checking benefits:
    1. Higher dividend rate1
    2. Free ATM fee reimbursement (up to $10 per month) when using out of network ATMs2
    3. Debit card reward points3
  • No minimum balance requirement
  • Limited to one account per member
  • One free order of standard checks per year
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our CO-OP and CU24 Networks

To qualify for Choice 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 10 times per month for purchases in person or online (for high dividend option only)

Overdraft Services

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

  • Set up your savings as an overdraft for your checking account (There is no fee for this option. Needed funds will automatically transfer to your draft account to cover the transaction.)
  • Overdraft Line of Credit (A small credit line to cover your draft accounts. You pay this back with interest with a monthly payment or all at once. There is not an additional fee for this service.)
  • Member Privilege (We cover the transaction for you to keep you moving forward. There is a fee when this service is used.)

Contact a representative to get your accounts covered today at (800) 336.0284.

You can even create a personalized design on your Visa debit card to make it stand out in your wallet, and when you pay.

Personalize Your Card

View Rates Open an Account

1Choice Checking - High Yield has certain requirements that must be met: The debit card must be used at least 10 times and 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 Choice 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 $15,000 earn the standard checking APY while balances below $15,000 will earn the High Yield APY.

2Choice Checking - ATM Reimbursement has certain requirements that must be met: 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 Choice Checking per account. The ATM reimbursement of up to $10 per month will be posted monthly to the account at the beginning of the following month.

3Choice Checking - Debit Rewards has certain requirements that must be met: 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 Choice Checking per account.