Services

Notary Services

As a service to members and non-members, Signal Financial provides Notary and Medallion Guarantee services to add legal authenticity to contracts, wills and other important documents. Each branch has at least one commissioned Notary Public on staff.  This service is free during normal business hours—no appointment is necessary.

To have a document notarized, make sure the document is unsigned and all signers bring photo identification such as a valid driver’s license or passport.

Locate the nearest branch here!

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Overdraft Protection

Overdraft Protection Coverage Options

Unexpected overdrafts occur from time to time. We can help with Overdraft Coverage. Consider these ways to cover overdrafts:

  • Overdraft Protection Link to Another Deposit Account you have at Signal Financial Federal Credit Union (no fee for transfer)
  • Overdraft Protection Line of Credit (subject to interest; subject to credit approval)
  • Overdraft Privilege ($31 Overdraft Fee per item)

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 Federal Credit Union 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 in order to pay a transaction. Standard Coverage includes checks, ACH (auto debits), recurring debit card transactions, online bill payments, and telephone and internet banking transactions. Extended Coverage includes checks, ACH (auto debits), recurring debit card transactions, online bill payments, ATM withdrawals, everyday debit card transactions and telephone and internet banking transactions.

To sign up or apply for these services:

  • call us at (301) 933-9100 x298
  • complete the ODP Consent Form and bring it to any branch
  • e-mail us at memberservice@signalfinancialfcu.org

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Skip-a-Pay

Take a month “off” from your loan payment — now available all year long!

Whether it’s for an extra night stay for your next trip, a purchase you’ve been wanting to make, or catching up on bills, give yourself something extra with Skip-A-Pay.

  • Available for auto, personal, and share secured loans
  • Must be enrolled in a Signal bundle
  • Send your request at least 5 days* before your loan payment is due
  • Available year-round—choose the month you want to skip*
  • A small one-time fee of $30 will be applied
  • Auto-payments outside of Signal Financial need to be adjusted by you

Call 301-933-9100, ext. 298 or visit a branch today.

Skip-A-Pay request must be received at least 5 days prior to regular payment due date for the loan. Skip-A-Pay is an ongoing program available all year long. Available only for vehicle loans, personal loans, and share secured loans. May only skip one month per loan in a 12 month period. To apply, must be a member of Signal Financial FCU in good standing; be enrolled in a Connect, Direct, or Premium relationship bundle; and have made a minimum of 6 regular monthly payments on the subject loan prior to the Skip-A-Pay request. The subject loan must have never been delinquent 30 or more days. Not all members or loans will be eligible for Skip-A-Pay. Once the Skip-A-Pay is approved, a fee of $30 will be assessed, the due date will be advanced, and the term of the loan will extend by one month past the original date. Fee must be collected at time of request via direct debit from member’s Signal account. Interest will continue to accrue during Skip-A-Pay period. Skip-A-Pay does not affect GAP Waiver coverage (if purchased) on vehicle loans.

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Jump Into Savings With TruStage

One of the exclusive membership benefits is access to TruStage Insurance products. With TruStage Home and Auto Program, you could qualify for a better rate on insurance. Learn more.

TruStage Life Insurance

Life insurance should be simple and affordable. Find out how you can protect your family and save hundreds of dollars each year with a free quote.  Get Started.

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Life insurance should be simple and affordable. Find out how you can protect your family and save hundreds of dollars each year with a free quote.  Get Started.

VISA Gift Card

It’s the perfect gift every time. Purchase a VISA Gift Card from Signal Financial today and you’ll make the day of anyone on your list.

  • Great for birthdays, holidays, weddings, graduations and more
  • Ideal for those times you don’t want to use your personal card (traveling, online shopping, etc.)
  • Can be used anywhere VISA is accepted, which means millions of places worldwide!
  • Available in various increments from $10 to $1,000

Stop by any Signal Financial branch to purchase your gift card today.

VISA Gift Cards may not be used for pay-at-the-pump gas purchases, auto rentals, hotel stays or at ATM machines. $4.00 fee for card.

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VISA Purchase Alerts

VISA Purchase Alerts Quick Guide

Signal Financial members who have VISA® debit or credit cards may now set up purchase alerts for their cards. These alerts do not affect any alerts you may have set up in eBanking, and apply only to purchases made with Signal VISA credit and debit cards.

Be notified when a purchase made with your card:

— was above a certain dollar amount
— was made outside the US
— was made online or over the phone

Purchase alerts can notify card holders almost immediately when their card has been used without authorization, and help reduce fraud, which is a good thing both for members and for the credit union.

Please read our quick reference guide, linked above, for instructions. It only takes a few minutes to protect yourself—you’ll be glad you did!

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VISA Travel Money Reloadable Card

Reloadable Cash, Convenience and Card Security in One!

The VISA Travel Money Card is the one card that lets you cover all of your spending needs—without running up credit charges. The VISA Travel Money Card is a multi-use, reloadable card that works overtime for YOU.

Make purchases at all VISA® locations when traveling domestically or internationally

Have access to cash 24/7

  • Can be used at hotels, gas pumps, car rentals and ATMs—anywhere!
  • Safe and secure transactions; if you lose it, you cancel the card
  • Reload on the spot—if you need more cash, instantly reload the card with cash from your credit union checking or savings account via a secure website
  • Reload the card as often as you like
  • Minimum reload amount is $100, the maximum is $5000*

The VISA reloadable card also gives you the added security of:

  • FREE travel enhancements, including Purchase Security (extended warranty)
  • Travel and Emergency Assistance, and Lost Luggage Insurance

Purchase your VISA Travel Money Card today at any Signal Financial branch for just $5.

*Reloads done in-person at a branch will take effect in less than 1 hour; online reloads can take up to 2-3 business days.

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Wire Transfers

Signal Financial offers the added convenience of wire transfers for our members.

  • Outgoing Wires—Domestic: $30

Wiring instructions for Signal Financial are as follows:

  • Please submit your request between the hours: 9:00 a.m. and 2:30 p.m.
  • Be prepared to show adequate identification
  • Members in the Washington Metropolitan area must go to a Signal Financial branch
  • Members outside of the Washington, DC, area, call 301-933-9100, ext. 298 or email memberservice@signalfinancialfcu.org for assistance.

If you wish to wire money to your Signal Financial account, please provide the originating bank the following wire instructions:

Signal Financial FCU
Kensington, MD
Routing Number: 255075495
Further Credit: (member name, number, account suffix)

For more information, please call Signal Financial at 301-933-9100, ext. 298

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8-Month Certificate of Deposit Promotion

For a limited time only, we're offering an 8-Month Certificate of Deposit with a 4.20%* APY. New deposits only.

 

The Capitol Hill branch and ATM are temporarily closed.

President's Day

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

Digital Member Support will close at 4 PM on Friday, September 30th. Online banking and ATMs are available 24/7. Our apologies for any inconvenience. 

Closure Notice

Due to inclement weather all Signal Financial branches are closed today. ATMs, mobile and online banking services are fully operational 24 hours a day and 7 days a week.

Digital Member support will close at 12 PM on Saturday, October 1st. Online banking and ATMs are available 24/7. Our apologies for any inconvenience.

Labor Day Closure

All branches and the call center will be closed on Monday, September 5, 2022 in observance of Labor Day.

Independence Day Closure

All branches and the call center will be closed on Monday, July 4, 2022 in observance of Independence Day.

Juneteenth Closure

All branches and the call center will be closed on Monday, June 20 in observance of Juneteenth.

Memorial Day Closure

All branches and the call center will be closed on Monday, May 30, 2022 in observance of Memorial Day.

Presidents’ Day Closure

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

New Years Day Closure

All branches and the call center will be closed on Friday, December 31 and Saturday, January 1 in observance of New Year's Day.

The Capitol Hill, City Center and Leisure World branches will be closed on Thursday, December 30th, 2021. We apologize for any inconvenience. Have a safe Holiday!

Christmas Holiday Closures

All branches and the call center will be closed on Sunday, December 4, 2022 and Sunday, December 4, 2022 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 24, 2022 and Friday, November 25, 2022 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 11, 2022 in observance of the Veterans Day holiday.