- $5 one-time membership share
- No minimum balance required
- No maintenance fees
- 0.03% APY1 depending on your balance
- 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.
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 cash back 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
- Access Cash Without Your Card: CardFree CashSM in the Signal mobile app provides the flexibility to withdraw cash at select ATMs without your physical card
Introducing CardFree Cash
No cash? No problem! CardFree Cash allows you to access cash at participating ATMs without a debit card.
- Download the Signal mobile app
- Use your mobile device to generate a one-time access code
- Find a nearby participating ATM
- Use your access code together with your PIN
- Withdraw cash
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.
Meet Your New Debit Card
Get to know your debit card and the baseline features that come with it.
- Make everyday purchases with ease
- Confidence knowing your card comes with strong fraud protections
- Replace your lost or stolen card with Instant Issue
- Add your card to your digital wallet for further convenience
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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