| Overdraft Service | Fee |
| Set it and forget it Link to another one of your Signal deposit accounts |
No fee to transfer |
| Line of Credit | Subject to interest |
| Overdraft Privilege | $28 Overdraft fee per item |
Standard Versus Extended Coverage. What’s the Difference?
Overdraft Protection
Services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Signal Financial for a finance charge. Please note that overdraft lines of credit are subject to credit approval.
Overdraft Privilege
Allows you to overdraw your account up to the disclosed limit for a fee to pay for a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
| Transactions Covered with Overdraft Privilege |
Standard Coverage (No action required) |
Extended Coverage (Consent required on consumer accounts) |
| Checks | ✓ | ✓ |
| ACH – Automatic Debits | ✓ | ✓ |
| Recurring Debit Card Payments | ✓ | ✓ |
| Online Bill Pay Items | ✓ | ✓ |
| Online Banking Transfers | ✓ | ✓ |
| Telephone Banking | ✓ | ✓ |
| ATM Withdrawals | ✓ | ✓ |
| Everyday Debit Card Transactions | ✓ |
If we do not authorize and pay an overdraft, your transaction will be declined. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
Want Signal to authorize and pay overdrafts on your ATM and everyday debit card transactions?
To sign up or apply for these services:
- Call us at (301) 933-9100 ext. 298
- Complete the Overdraft Protection Consent Form and bring it to any branch
- E-mail us at memberservice@signalfinancialfcu.org
You can revoke your authorization for Signal Financial to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.
Learn more about Overdraft Protection Options or complete the Overdraft Protection Consent Form today.
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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
VISA® Debit Card: Lost/Stolen
866-498-2213
Automated Phone System
800-447-8997
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