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Signal Smart® Checking

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

Debit Card Bonus Rewards | November 25 – December 26

Make every swipe, or tap, more rewarding with 2,500 Signal Rewards points3 for using your Signal Smart® Debit Card 15 or more times!

  • Enroll in Signal Rewards
  • Use your eligible debit card 15 transactions
  • Earn 2,500 Signal Rewards points!
Start earning rewards right away when your new debit card is texted to your phone immediately after approval with Digital Issuance

Signal Smart Debit Card

Signal Financial 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

  • 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
CardFree Cash Video

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.

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
Cards Features Video
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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