Enjoy a checking account that pays. Earn high dividend earnings and refunds on ATM withdrawal fees, nationwide, when you qualify.*

  • No fee checking that pays high dividends
  • 5.00% APY* on balances as much as $25,000
  • 5.00% to 1.40% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Automatically bundled with a Signature High-Yield Savings
  • No minimum balance to earn rewards
  • No monthly service fee
  • $0 minimum deposit to open

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Signature High Yield Checking 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. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Signature High-Yield Checking: APY = Annual Percentage Yield. Rates are effective as of 5/12/2025. To earn the 5.00% APY on balances up to $25,000, account qualifications must be met during the monthly cycle. To earn monthly rewards, the following qualifications must be met 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 earn the base rate of 0.05% resulting in an APY of 0.05% on the entire balance. Average daily balances over $25,000.00 earn a dividend rate of 0.499% on the portion of the average daily balance over $25,000, resulting in a range from 5.00% to 1.40% APY if all account qualifications are met during the monthly cycle. No minimum deposit or minimum balance is required to open or maintain the account. Click here for full details of qualifications, rates, rewards, fees, account specifics and restrictions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. A Signature High-Yield Checking 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 High-Yield 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 High Yield 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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