Choose this no-fee checking account pays cash back on debit card purchases — plus refunds on ATM withdrawal fees when you qualify.*

  • No-fee checking that pays you back
  • Get 5.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on as much as $200 in purchases monthly 
  • Earn as much as $120 cash back per year, $10 per month*
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Automatically bundled with a Signature High-Yield Savings
  • No monthly service fee
  • No minimum balance to earn rewards
  • $0 minimum deposit to open


Qualifications to Earn Cash Back

Enrollments must be in place and all of the following transactions and activities must post and settle to your Signature Cash Back account during each Monthly Qualification Cycle:

  • At least 15 debit card transactions
  • At least 1 direct deposit of $500
  • Be enrolled in and agree to receive e-statements

And if you don’t meet these qualifications, don’t worry — your account is still fee-free. And you can get right back to earning your cash rewards the very next cycle that you qualify.

*Signature Cash Back Checking Account: You will receive 5.00% cash back on up to a total of $200 debit card purchases that post and settle to the account during the monthly qualification cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle, plus up to $25 per month in nationwide ATM fee refunds. Only one Signature Cash Back Checking Account may be opened per membership. Click here for full details of qualifications, rates, rewards, fees, account specifics and restrictions. No minimum deposit or minimum balance is required to open or maintain the account. To earn monthly rewards, the following qualifications must be met for each monthly qualification cycle. The following are qualifying activities: at least 15 debit card transactions, at least 1 direct deposit of $500, be enrolled in and agree to receive e-statements. All transactions must post and settle before the end of the monthly qualification cycle to count towards qualifying transactions. If these qualifications are not met during the monthly qualification cycle, you will not earn rewards for that month. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. A Signature Cash Back Checking Account account is required to have a Signature High-Yield Savings account. Rewards earned will automatically be transferred to your bundled Signature High-Yield Savings Account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Your deposits are federally insured up to $250,000 by NCUA.

View our Monthly Qualification Cycle.

Application Center

Ready to open your Signature Cash Back Checking with Signature High-Yield Savings Bundle account? Complete the membership application below.

Become a Member

Already a member?

Simply add a Checking Account by logging into the Online Branch or our SFCU Mobile App, click the hamburger menu in the top left-hand corner, then click on the account name at the very bottom of the menu. Select the Add An Account button from the list of options that appears, then select Signature Cash Back Bundle. For additional information contact our Member Services Department at (800) 336.0284 ext. 684 or MemberServices@SignatureFCU.org

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

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