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Signal Smart™ Checking

Checking designed for your day-to-day. Rewards designed for your tomorrow.

  • $5 one-time membership share
  • No minimum balance required
  • No maintenance fees
  • 0.03% APY1
  • Easy to manage and transfer funds
  • Top-notch security and fraud protection
  • Overdraft protection options
Signal Smart Checking is your smart spending account, so you can spend your way, while still earning for the future.
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Signal Smart Debit Card

Signal Smart Checking comes with our Signal Smart Debit Card. With added security and easy-to-use features, you’ll want this card to be at the top of your wallet.

  • Greater security than cash or checks
  • Get cashback with in-store purchases
  • Withdraw cash surcharge-free from our 10,000+ strong network of ATMs via our partnership with MoneyPass
  • Coverage if your card is ever lost, stolen, or fraudulently used with our Zero Liability Fraud Protection2
  • Visa® Chip technology to prevent fraud from occurring, protect members from loss, and secure future payments
  • 24/7 Fraud monitoring by Signal Financial and Visa®

Rewards for You

We want to reward you for being you. With your Signal Smart debit card, you’ll receive reward points and be eligible for merchant rewards no matter where you shop, what you buy, or what amount you spend.

On the Go

With Signal’s online banking and mobile app, you can manage your spending anytime, anywhere.

  • Card Control Plus: Set alerts, report lost or stolen cards, and more
  • Financial Wellness: Review transactions, set budgets, and make specific savings goals
  • Credit Score Reporting: Keep building credit top of mind with reporting and personalized recommendations from Signal
  • Sync accounts: Have extra funds this month? Connect your Signal Smart Checking to our high-yield Signal Smart Savings account and earn more without having to do more

Overdraft Protection

We get it, life happens, and sometimes you’re a little short to cover a transaction. That’s where Signal’s overdraft protection options come in. Whether it’s setting up a link to another Signal deposit account or an overdraft protection line of credit, we have options so you can have peace of mind.

Start Spending Smarter

Open a Signal Smart Checking account today.

Apply Now

1 APY = Annual Percentage Yield. Rates as of May 30, 2024. Dividends are compounded daily and credited monthly. Minimum balance requirements apply to daily balance. Membership required to open or maintain any additional products.

2 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions, or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.

Visit the Our Rates page for more information.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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Routing Number:
255075495

Main Line
301-933-9100

VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018

For Visa Signature Cards:
800-328-3033

ATM/VISA® Debit Card: Lost/Stolen
866-498-2213

Automated Phone System
800-447-8997

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Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
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