Tired of paying monthly fees on your checking account?

Whether you want the standard option or one with more features, every Signature FCU checking account gives you a Visa® debit card, Online Branch access, mobile banking including remote deposit anywhere, and access to a network of over 30,000 free ATMs and 5,000+ shared branches across the country.

Choose the Signature FCU Checking account below that fits your needs.

Standard Checking

  • No minimum balance, no monthly account fee. 
  • A Visa debit card you can use anywhere
  • One free order of standard checks per year (by request only)
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our Co-Op and Culiance Networks
  • 30,000+ branch network

Legacy Checking

  • Available to members who are 55 years or older
  • A higher dividend paid than our standard Checking account
  • One free order of standard checks per year (by request only)
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our Co-Op and Culiance Networks
  • 30,000+ branch network

High-Yield Checking

  • Earn a higher dividend rate - 1.50% Annual Percentage Yield1
  • No minimum balance requirement
  • Limited to one account per member
  • One free order of standard checks per year (by request only)
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our CO-OP and CulianceNetworks

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 10 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 10 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 $20,000 earn the standard checking APY while balances below $20,000 will earn the High-Yield APY. Rates are set by the Board of Directors and may change without notice. Fees could reduce earnings on the account.

ATM Rebate Checking

  • Free ATM fee reimbursement (up to $10 per month) when using out of network ATMs2
  • No minimum balance requirement
  • Limited to one account per member
  • One free order of standard checks per year (by request only)
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our CO-OP and CulianceNetworks

To qualify for ATM Rebate Checking account, you must:

  • Have direct deposit totaling $1,000 or more into your account per month
  • Enroll in Signature e-statements

2ATM Rebate Checking 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 Free ATM 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.

Debit Card Points Checking

  • Earn 1 reward point for every $2 you spent3
  • No minimum balance requirement
  • Limited to one account per member
  • One free order of standard checks per year (by request only)
  • E-statements
  • Access to our online account management, Online Branch
  • Free ATMs through our CO-OP and CulianceNetworks

To qualify for Debit Card Points Checking account, you must:

  • Have direct deposit totaling $1,000 or more into your account per month
  • Enroll in Signature e-statements

3Debit Card Points Checking 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 Debit Card Points Checking per 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 MemberServices@SignatureFCU.org 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 www.SignatureFCU.org/MemberPrivilege

Application Center

Ready to open your Checking account? Complete the application below.

View Checking Rates Membership Application

Already a member?

A new application is not required to add a checking to your account, please contact our Member Services Department at (800) 336.0284 ext. 684 or MemberServices@SignatureFCU.org or fill out the Account Update form below.

Account Update Form

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

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