Fast, personal financial services, nationwide.

Personalized support, great products, and competitive rates for all your financial needs. That’s Xceed.

Service, Like it Should Be

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Xtraordinary Moment

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D. Deary
3-Word Description
Friend, survivor, happy
First Job
Grocery Cashier
Member Since

“Patty & Rita at the Parsippany, NJ location ALWAYS go above & beyond to help me with any/all of my banking needs…”

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Tools & Tips

4.99% Introductory APR for Two Great Cards

Whichever card you pick, you’ll enjoy a low 4.99% introductory APR for purchases and balance transfers made in the first 90 days of your account opening.

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Get Up to $200 for You and $200 for a Friend

When a friend you refer opens a new membership account with Xceed, you and your friend can each receive a bonus of up to $200 deposited to your accounts!

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Special 1/2 Point Reduction Toward Closing Costs

Buying a home is a big decision, but with Xceed’s purchase promotion, that decision just got a little easier! From now through June 30, 2019, you can enjoy a special 1/2 point reduction toward your closing costs or rate.

Members and associates talk about what Xceed’s member service focus means to them.


Certain terms and conditions apply, and are subject to change at any time. Ask an associate for details.

*$100 (or $200) Referring Member Bonus: To qualify for the $100 referring member bonus, the referring member must be an existing Xceed member in good standing, and the referral must have been submitted by December 31, 2019, through the Xceed microsite or the official Banking Worth Sharing form. The referring member would also receive an additional $100 referring member bonus for a total of $200 if the referring member has an active Xceed Visa® debit card, has signed up for online banking with eStatements, has signed up for overdraft protection, and is receiving a direct deposit of at least $500 per month in an Xceed Signature checking account (evidenced by two consecutive months of ACH payroll deposits). Limit one referring member bonus per referred member. No limit to how many new members can be referred. The $100 or $200 bonus will be credited to the referring member’s account within 30 days after the referred member account has been open for 90 days. Total referral bonuses equal to $600 or more will be reported on the IRS Form 1099-MISC. $200 Referred Member Bonus: Existing members who open new accounts do not qualify for the $200 bonus. To receive the $200 bonus, new referred members must open their Xceed Signature Checking account by December 31, 2019, maintain the new account active and in good standing for at least 90 days, have direct deposits of at least $500 per month to the account (evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening), sign up for online banking with eStatements, sign up for overdraft protection, and have a Visa® Platinum debit card issued. The $200 bonus will be credited within 30 days after the account has been open for 90 days. The $200 will be considered as dividends and will be reported on the IRS Form 1099-INT. All new account applicants are verified through ChexSystems, must qualify for membership, and must open a primary share savings account. Signature Checking Account: APY (Annual Percentage Yield) is 0.25% on balances $0 to $49,999.99; 0.25% APY on balances $50,000 to $99,999.99; 0.25% APY on balances $100,000 to $249,999.99; 0.25% APY on balances $250,000 to $499,999.99; and 0.25% APY on balances $500,000 and over. No minimum balance required to open the account. The APY is effective as of 3/20/19, may change after the account opened, is accurate as of the last dividend declaration date, and is determined by the Board of Directors. Cannot combine with any other offer. Fees incurred could reduce earnings on these accounts.

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