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
• E-statements
• 24/7 account access with our Online Branch & Mobile App
• 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
• E-statements
• 24/7 account access with our Online Branch & Mobile App
• Free ATMs through our Co-Op and Culiance Networks
• 30,000+ branch network

Signature High-Yield Checking with Signature High-Yield Savings Bundle

• A no-fee account that pays high dividend¹
• Earn 5.00% APY on balances up to and including $25,000
• $0 minimum deposit to open account
• Refunds on ATM withdrawal fees nationwide (up to $25 monthly)
• Bundled with a Signature High-Yield Savings Account to build savings automatically

¹APY = 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 with Signature High-Yield Savings Bundle

• Earn 5.00%² cash back on debit card purchases
• No restrictions on which types of purchases earn you cash back
• Bundled with a Signature High-Yield Savings Account for an enhanced savings strategy

²You 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.

ATM Rebate Checking

• Free ATM fee reimbursement (up to $10 per month) when using out of network ATMs⁴
• No minimum balance requirement
• Limited to one account per member
• E-statements
• 24/7 account access with our Online Branch & Mobile App
• Free ATMs through our CO-OP and Culiance Networks

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

⁴ATM 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.

Cash Back Debit Checking

• 1% cashback on all purchases with your debit card⁵
• No minimum balance requirement
• Limited to one account per member
• E-statements
• 24/7 account access with our Online Branch & Mobile App
• Free ATMs through our CO-OP and Culiance Networks

To qualify for Cash Back Debit Checking account, you must:

• Payroll or Retirement direct deposit required totaling $1,000 or more per month.
• Only one Cash Back Debit Checking per account.

⁵Cash Back Debit Checking has certain requirements that must be met: A payroll or retirement direct deposit totaling $1,000 or more per month is required to earn the 1% cash back. Only one Cash Back Debit Checking per account allowed. ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards.

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?

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. For additional information contact our Member Services Department at (800) 336.0284 ext. 684 or MemberServices@SignatureFCU.org or complete 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.

    OR