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eBankingMobile Banking | Account Alerts | VISA Purchase Alerts | Text Banking | Bill PayPay a PersonRemote Deposit AnywhereMe2Me TransfereStatementsWire TransfersVISA One CardVISA Gift Card | Overdraft Protection

eBanking

eBanking is an online banking portal for members to check their accounts, transfer money, pay bills and set up alert notifications and mobile banking functions. Also, now available—text banking. Check your balance and transaction history instantly! See Mobile Banking section on how to enroll.

  • Check balances and monitor account activity
  • View, download, and print statements
  • Transfer funds between Signal Financial accounts or other accounts
  • Pay bills and Pay a Person
  • Set up payees, text banking and other options
  • Set account alerts
  • Order checks
  • Update contact information
  • Secure messaging with Signal Financial’s Member Services Department
  • Locate branches and ATMs

eBanking Dashboard Diagram

Members can enroll in eBanking after their membership is established by clicking here.

Certain features must be set up on a desktop or laptop computer in eBanking before they will be available on the mobile site or mobile app, such as Remote Deposit Anywhere (RDA), Me2Me, alerts, text banking, and payees for Bill Pay and Pay a Person. Other requirements may apply to use of these services – ask a Member Services representative for more information or assistance.

For detailed instructions on using the new features of eBanking: click here.

 

Choosing a Password Reset Question in eBanking:

PW Reset Question Guide

It’s very important to choose a Password Reset Question and answer, in case you forget your eBanking password. This offers a secure way to reset the password yourself and safeguard your account.

To set up a question and answer: log in to eBanking, and go to the Options tab. Use the fields on the Personal Settings page to create a question and answer that you will be able to remember, but that no one else would be able to answer. After you click Submit, a message confirming the new setting will show at the top of the page. You can reset this question and answer at any time while you are logged in to eBanking.

Security Tips: Choose a question that is not about personal facts that could be easily found out by a stranger, such as the name of your high school or your birth date. Using a full sentence for the answer is more secure than using just a word or two, which is easier to guess. And because only you need to know the answer, there’s no problem with making the answer something completely random or unexpected, like “Puppies are cute” as an answer to the question “What is your favorite book?” Or make the answer truthful but add a random sentence after it: “My favorite book is Jurassic Park. Puppies are cute.” Whatever question and answer you choose, just make sure you can remember them!

If you can’t remember your password: DO NOT attempt to log in again and again, as your eBanking account will be locked after several attempts, and you will need to call Member Services to unlock it for you and reset your password. Just click Forgot Your Password? and then fill out the short form to have an email sent to the address on file. Use the instructions in the email to reset your password. You will be prompted to answer the Password Reset Question as part of the process.

If you get locked out of your eBanking account: call 301-933-9100, ext. 298 during our normal business hours or send us a message from the email address we have on file for your accounts.

Please note: The Password Reset Question is not the same as the security questions that eBanking will prompt you with when you log in from an unfamiliar computer.

 

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Mobile Banking

Mobile Banking Quick Guide

Our eBanking users also have the option of using our mobile app on a smartphone or tablet. The app offers a quick and convenient way to monitor your accounts and perform everyday transactions without having to go to a branch.

  • Check balances and transactions
  • Transfer funds between Signal Financial accounts or other accounts
  • Pay bills and Pay a Person
  • RDA deposits (app only)
  • Receive balance and transaction information by text (no login required)
  • Locate branches and ATMs

To enable mobile banking, log on to eBanking and go to Options > Mobile Settings > Web Mobile Settings. Click the link above for our quick reference guide.

NOTE: To view details of other accounts in the mobile app in addition to checking and savings, first log in to eBanking in a web browser and click on the Options tab. Click the Mobile Settings link in the gray bar, go to Web Mobile Settings, and then check the boxes for any accounts you want to be able to access through the mobile app. Then click Submit to save your choices. These accounts will then be included in the list of your accounts on the app.

The Signal Financial mobile app is available from the App Store or Google Play. Click one of the links below to download it now.
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To enable text alerts and text banking, go to Options > Mobile Settings > Text Mobile Settings. Or see our  Text Banking Quick Guide.

The ability to use RDA and Me2Me Transfers must be enabled by a Member Services representative. Send us a secure message within eBanking to get assistance with these features.

Feature

eBanking

(desktop or laptop)

Mobile app

Account summary and details

Yes Yes

Locate branches & ATMs

Yes Yes

Transfer funds

Yes Yes*

Pay bills

Yes Yes*

Pay a Person

Yes Yes*

Me2Me Transfers

Yes Yes*ⱡ
Text banking   Yes*
Remote Deposit Anywhere   Yes*ⱡ
Create or edit alerts Yes  
Order checks Yes  
Update contact info Yes  
Send secure messages Yes  
Access statements Yes  

*Requires initial setup in member’s eBanking account, on a desktop or laptop computer.

Additional requirements must be met and setup completed by Member Services before these features become available. Standard carrier and data charges apply to all mobile banking services. Check your carrier agreement for more information.

 

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Account Alerts

Alerts Quick Guide

Members are encouraged to set up alerts for their Signal Financial accounts. Alerts can help you stay informed about important account activity without having to log in to eBanking, can be set up for any or all of your Signal accounts, and can be sent via email, text, or upon login to eBanking. Alerts can serve two purposes: fraud prevention and account reminders.

Fraud prevention: Though we always monitor your debit card for unusual activity, you are your own best defense against fraud on your accounts. Protect yourself by monitoring your accounts frequently and setting up automatic alerts. Alerts inform you quickly if there’s an unauthorized transaction or a large withdrawal from your account, a failed eBanking login, or a password change. When fraud is discovered quickly, steps can be taken to minimize the damage and protect your deposits.

Account reminders: Alerts can also be set up to let you know when your balance goes above or below a certain amount, when a transfer fails, when a check clears, when a loan payment is due, or for specific reminders you set for yourself. Using this type of alert can keep you from overdrawing your account or missing a payment.

To set up alerts, log in to eBanking, then go to Options > Alerts. The email address we have on file for you will be displayed at the top of the Alerts Listing page. If this contact information needs to be changed, click Alerts Settings in the secondary gray bar. Use the navigation links in the gray bar to set up your alerts, or use the Edit links in the green bars on the listing page to make changes or add new alerts. Click the link above for our quick reference guide.

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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. 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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Text Banking

Text Banking Quick Guide

Members may now receive basic account information by text message. Once this feature is set up in eBanking, users may text Signal Financial from a mobile device for balance and transaction information, without the need to log in—for example, if you need to quickly check how much you have in your checking account before making a purchase.

The ability to check your balances at any time is key to protecting yourself from fraud. Text banking is one way Signal makes it easier to monitor activity on your accounts.

To enable text banking, go to Options > Mobile Settings > Text Mobile Settings. Or click the link above to access our quick reference guide.

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Bill Pay

Bill Pay allows you to pay most personal bills online using your Signal Financial checking account. Payments can be one-time or recurring, and you can choose to have a paper check mailed or to have the funds transferred electronically. Payments can be set up as much as a year ahead of time.

To use Bill Pay:

  1. Log in to your eBanking account and go to the Bill Pay tab
  2. Click the Add a Payee button and follow the instructions

After payees are set up in eBanking, they will appear as choices in the Pay Bills menu of the mobile app and the mobile site. Changes to payees and scheduled payments can be made only in eBanking on a desktop or laptop computer. Transfers may be completed by the next day if made before 3 p.m. on a weekday.

To find out more about Bill Pay or view a demo, log in to eBanking, then go to Bill Pay > Help.

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Pay a Person

The Pay a Person feature is part of Bill Pay: simply designate a person rather than a company as a payee (recipient).

  1. Log in to your eBanking account and go to the Bill Pay tab
  2. Click the Add a Payee button and choose Pay a person
  3. Choose the payment method: For Direct Deposit, input the recipient’s routing and account numbers if you know them. For Email, provide their email address and create a secure keyword so they can login and provide their account information themselves. You may also request that a paper check be mailed.
  4. Designate the amount and other options and schedule the payment

Transfers may be completed by the next day if made before 3 p.m. on a weekday, but may be subject to availability requirements at the payee’s financial institution.

To find out more about Pay a Person or view a demo, log in to eBanking, then go to Bill Pay > Help.

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Remote Deposit Anywhere

Remote Deposit Anywhere (RDA) allows members to deposit checks from a smartphone without having to travel to a branch. To use RDA, you must have been a member of Signal Financial for at least 30 days and have an account in good standing. This service is available only in our mobile app, and enrollment must be completed with the help of a Member Services representative.

  1. Send us a secure message in eBanking to request enrollment in RDA and get instructions
  2. Complete the enrollment process (takes 24-48 hours)
  3. Download and/or open the Signal Financial mobile app
  4. Use the Deposits menu to take photos of the front and back of your check and make a deposit

Please be aware that deposits may not be available until the afternoon of the next business day. Other restrictions may apply. Please contact Member Services for assistance or more information.

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Me2Me Transfer

Me2Me Quick Guide

Me2Me Transfer allows members to transfer money to and from their Signal Financial accounts and accounts at other financial institutions. The daily limit is $5,000.00, and transfers can be one-time or recurring.

Funds may be available as soon as the next business day, although funds transferred from a Signal Financial account to an external account are subject to the receiving financial institution’s availability and transaction processing schedule.

  1. Send us a secure message in eBanking to request enrollment in Me2Me Transfer
  2. Once enrolled, log in to your eBanking account and go to the Home tab
  3. Click the Me2Me Transfer link
  4. Use the links in the gray bar to add or delete accounts, make transfers, or view completed transfers

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eStatements

eStatements are simply account statements that you access from a computer. They do not differ from paper statements except in how they’re made available. At Signal Financial, we strongly encourage members to receive eStatements. Because the credit union is a nonprofit organization, any money saved through switching to electronic statements is returned to members through improvements to services, higher dividends or lower interest rates.

eStatements are not emailed. Members are sent an email notification that a new statement is ready, and they may then log in to eBanking to access it, protected by the same encryption that protects all their account information.

To enroll in eStatements:

  1. Log in to eBanking on a desktop or laptop computer
  2. Go to the Home tab, then click on the Statements link
  3. Follow the prompts
  4. If you need to update your email address or other options, go to the Options tab

To access your statements:

  1. Log in to eBanking on a desktop or laptop computer
  2. Click on the Statements link
  3. To view or save the statement, click the Download link to the right
  4. Your browser should give you an option to open or save the file

We strongly recommend that members download or print each month’s statement as it becomes available.

 

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Wire Transfers

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

  • Outgoing Wires—Domestic: $20
  • Incoming Wires: $9

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 should go to a Signal Financial branch
  • Members outside of the Washington, DC, area, call 301-933-9100, ext. 298

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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VISA One Card

Reloadable Cash, Convenience and Card Security in One!

The VISA ONE Card is the one card that lets you cover all of your spending needs—without running up credit charges. The VISA ONE 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 ONE 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 ONE Card today at any Signal Financial branch for just $5.

*Reloads done in-person at a branch will take effect immediately; online reloads can take up to 3-5 business days.

 

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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 $25 to $500

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 values $25-$250; $6.00 fee for card values $251-$500.

 

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Overdraft Protection

ODP Consent Form

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 ($29 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 PRIVELEGE 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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