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SIGNATURE CHECKING

You're free to Xplore

Be anywhere and do more with Signature Checking.

Whether you’re going around the block or around the world, our new Signature Checking account can provide the features and flexibility you need to bank on your terms—anywhere, anytime.

Enjoy higher dividends

Earn 0.25% APY on your balance.That’s more than double our previous rate and about four times what the big banks are offering.2

The premium features you want.

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Earn 0.25% APY1 on your balance. That’s more than double our previous rate and about four times what the big banks are offering.2

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Xceed Platinum Visa® Debit Card with exclusive benefits from Visa, including Personal ID Theft Coverage up to $10,000 and Roadside Dispatch3

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Increased purchasing power—up to $3,500 per day

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Rebate for debit card purchases ($0.05 per transaction, up to $5 per month)

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No Xceed fees for all ATM withdrawals4

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Loan discounts available

The convenience you need every day.

Overview Features
Signature Checking
Overview

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

Features
  • Earn 0.25% APY1 on your balance. That’s more than double our previous rate and about four times what the big banks are offering.2
  • Xceed Platinum Visa® Debit Card with exclusive benefits from Visa, including Personal ID Theft Coverage up to $10,000 and Roadside Dispatch¹
  • Increased purchasing power — up to $3,500 per day
  • Rebate for debit card purchases ($0.05 per transaction, up to $5 per month)
  • No Xceed fees for all ATM withdrawals4
  • Loan discounts available
  • Free first book of checks
  • 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 military5; or
  • Account open less than 90 days

Xceed Platinum Visa® Debit Card

Cash is risky. Checks are passé. Use Xceed’s Platinum Visa® Debit Card and experience hassle-free spending, plus the extra security you want.

Features

  • Merchant discounts, free samples, complimentary gifts with purchases, and more6
  • Roadside dispatch service from Visa On-Demand Roadside Assistance3
  • Personal identity theft protection3

Open an Account

Already a member? Call us to get started
800.XFCU.222
New to Xceed? Open your account today
Get started
Visit your nearest Financial Center
Find a location

Transfer your checking account to Xceed

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Step 1

Open an Xceed Financial checking account. Place your order for new checks and an Xceed Visa® Debit Card. Figure out how much money you can transfer to your new account, and start using your Xceed Financial account as soon as possible.

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Step 2

Transfer your direct deposit to your Xceed account.

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Step 3

Close your previous checking account. Once all outstanding checks have cleared and automatic transactions have been successfully transferred, transfer the remaining balance into your new Xceed Financial checking account. Please allow at least one to two months for all items to clear your previous account.

Overdraft Privilege

Overdraft Privilege is Xceed Financial’s overdraft protection service on eligible checking accounts, and it’s available to Signature Checking account holders. 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.

Order Checks Online

Signature Checking account holders get their first book of checks free, but did you know you can reorder checks online? Just log in to Xceed Online, navigate to “Accounts,” then “Summary,” and select “Order Checks” next to the correct account.

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.

Let’s Get Started

Visit your nearest Financial Center
Find a location
Open an Xceed checking account today
Get started
Call us to talk to one of our associates
800.XFCU.222

Tools & Tips

Hot air balloon floating over pasture

You’re Free to Xplore

Whether you’re going around the block or around the world, our new Signature Checking account can provide the features and flexibility you need to bank on your terms—anywhere, anytime.

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Make the Most of Your Membership

You know that it pays to be a member of

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Plan Ahead

When it comes to eating healthy, and on a budget, planning is key! You already know that you should go to the grocery store with a list, but how does that list get made?

Disclosures

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.

1There is no minimum balance to open the account. APY is Annual Percentage Yield. 0.25% APY on balance $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. The APY is effective as of 12/13/2018 and may change after the account is opened. Fees incurred could reduce earnings on the account. All new account applicants are verified through ChexSystems and must qualify for membership. Program rates, terms and conditions subject to change at any time. Personal accounts only. Ask an Xceed Financial associate for complete details.

2Sources: https://media.bac-assets.com/DigitalDeposit_CA_CA_Los_Angeles.pdf?cacheBuster=1034 and https://chaseonline.chase.com/resources/RateSheetForCons703212122018.pdf. Rates current as of 12/12/2018. Bank of America rate assumes a California zip code, and Chase rate assumes a zip code of 90245.

3Please refer to the Visa Card Guide to Benefits for details.

4Some institutions or merchants may impose surcharges and/or fees for ATM/POS transactions not controlled by Xceed Financial Federal Credit Union (“Xceed”).

5Must provide notice and proof of active military status to Xceed to obtain waiver.

6Only 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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