Signature High-Yield & Signature Cash Back Checking Comparison

 

Signature High-Yield Checking

Signature Cash Back Checking

Account Learn More Learn More
Features
  • 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
  • 5.00% cash back on debit card purchases^
  • Cash back earned on as much as $200 in purchases monthly
  • Up to $120 cash back per year, $10 per month^
Monthly Service Fee NONE NONE
ATM Access Refunds on ATM withdrawal fees, nationwide* and free ATMs through our CO-OP and Culiance Networks Refunds on ATM withdrawal fees, nationwide^ and free ATMs through our CO-OP and Culiance Networks
Online & Mobile Banking Access Yes Yes
Debit Card Yes Yes
Minimum Opening Deposit $0 $0

*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.

^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.