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The right checking accounts for the road ahead

Account type Overview Features
Signature Checking

Our premier checking account lets you earn a competitive rate while enjoying unsurpassed convenience and special perks.

  • A dividend rate of 0.10%
  • Xceed Platinum Visa® Debit Card with exclusive benefits from Visa, including Personal ID Theft Coverage up to $10,000 and Roadside Dispatch¹
  • Rebate for debit card purchases ($0.05 per transaction, up to $5 per month)
  • Tiered dividend (AKA interest) rates
  • No Xceed fees for all ATM withdrawals²
  • Loan discounts available
  • Free first book of checks
  • Easy direct deposit set up
  • Overdraft privilege available

Monthly service charge: $10

Waive the service charge with:

  • Direct deposit of at least $500 per month into the account; or
  • Aggregate membership balance greater than or equal to $25,000; or
  • Primary account owner under 26; or
  • Primary account owner active military3; or
  • Account open less than 90 days
Simplicity Checking

This hassle-free account makes it easy to make purchases and manage your money, all with no monthly fee.


Monthly service charge: $0

Access Checking

First checking account or starting over? No problem. This flexible account provides the convenient tools and features you need to manage your money and get on track.

  • Ideal for members ready to enhance their money management skills, including teens who are just getting started, and those looking to rebuild their banking record
  • Xceed Visa® Debit Card and access to 80,000 surcharge-free ATMs nationwide

Monthly service charge: $15

Reduce the service charge to $10 with direct deposit into the account of any amount.

Waive the service charge with:

  • Primary account owner under 26; or
  • Primary account owner active military³; or
  • Account open less than 90 days

Two cards, more flexibility

Xceed Visa® Debit Card

Cash is risky. Checks are passé. Use Xceed’s Visa® Debit Card and experience hassle-free spending.

  • Use at more than 15 million Visa® merchants worldwide
  • Make cash withdrawals fee-free at Xceed Financial ATMs and CO-OP ATMs
  • Withdraw cash, transfer funds, and access account information at Xceed Financial ATMs, shared-branch ATMs, and Visa® ATMs worldwide
  • Enroll in Fraud Alerts for help detecting suspicious account activity.
  • With Mobile Wallet enabled, easily add your card to Apple Pay or Paypal.

Xceed Platinum Visa® Debit Card

If you want extra security and higher spending power, check out our Platinum Visa® Debit Card and get these additional features:

  • Merchant discounts, free samples, complimentary gifts with purchases, and more4
  • Roadside dispatch service from Visa On-Demand Roadside Assistance1
  • Personal identity theft protection1
  • Enroll in Fraud Alerts for help detecting suspicious account activity.
  • With Mobile Wallet enabled, easily add your card to Apple Pay or Paypal.

What It Comes With

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Mobile Wallet

Our cards have Mobile Wallet enabled, so it’s easy to pay with Apple Pay and Paypal.

Paypal »
Apple Pay »

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Visa Alerts and Controls

Take control of your card and monitor everyday spending.

Enroll »


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Fraud Alerts

Enroll in Fraud Alerts for help detecting suspicious account activity.

Enroll »


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Visa Checkout

Skip the forms and pay online wherever you see the Visa Checkout button.

Additional Benefits

Overdraft Privilege

Overdraft Privilege is Xceed Financial’s overdraft protection service on eligible checking accounts. It covers your account for potential overdraft transactions, such as checks, ACH debits, ATM, and Point-of-Sale (POS) withdrawals.

Learn more »

Cover your checking accounts

It just takes a few seconds. Submit the Extended Overdraft Privilege Consent form and tell us which of your checking accounts you’d like to cover.

Track Account Activity

Track spending and monitor account balances with Xceed Online and Mobile banking.

Not yet enrolled?

If you haven’t yet signed up for Xceed Online, just call 800.XFCU.222 and we’ll get you all set up.

Order Checks Online

Did you know you can reorder checks online? Just log in to Xceed Online, navigate to Additional Services, and select eServices.

Not yet enrolled?

If you haven’t yet signed up for Xceed Online, or if you’re ordering checks on a new account, just call 800.XFCU.222 and we’ll get you all set up.

Checking Account Changes FAQ

For starters, we’ve renamed it to the Simplicity Checking account, which reflects what it is: a simple and straightforward checking account. In addition, we’ve eliminated the monthly service fee!

For starters, we’ve renamed it the Signature Checking account, which reflects the new signature-level perks you’ll enjoy, including a Platinum Debit card, a rebate of 5 cents per purchase (up to $5 per month), Personal Identity Theft Coverage, Roadside Dispatch Coverage, and more! In addition, we’ve added new ways for you to get the monthly fee waived. Now, if you have $25,000 or more in aggregate monthly average balances (including savings, checking, money markets, certificates, retirement accounts, credit cards, and loans) we’ll waive the monthly fee!

Most of these awesome updates were implemented on September 5, 2018.

If you have a Signature Checking account but don’t yet have a Platinum Debit Card, you’ll need to request one to start taking advantage of all the perks. If you have a Simplicity Checking account and would like to upgrade to a Signature Checking account, just let us know!


These products are for consumer accounts only and do not apply to business accounts. Please refer to the current Rate Sheet, Agreement and Disclosures, Electronic Services Agreement and Disclosure, Truth-in-Savings Disclosure, Services and Schedule of Fees, Overdraft Coverage Brochure, and Online Service Agreement for Consumers for details on accounts, products, and services’ terms and conditions, including, but not limited to charges, fees, and waivers. Rates, terms, and conditions are subject to change at any time. Visit xfcu.org for current dividend rates.

1Please refer to the Visa Card Guide to Benefits for details.

2Some institutions or merchants may impose surcharges and/or fees for ATM/POS transactions not controlled by Xceed Financial Federal Credit Union (“Xceed”).

3Must provide notice and proof of active military status to Xceed to obtain waiver.

4Only Visa cards issued in the U.S. and in good standing are eligible for program participation; additional exclusions may apply. Offers subject to availability.

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