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You’re Free to Xplore

Introducing Signature Checking:

The premium features you want.
The convenience you need every day.

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.

  • 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

This product is for consumer accounts only and does 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 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.

For the most accurate rates, tell us where you live.
Please enter a valid US zip code.

Your zip code will be stored for one day. During this time, all rates on this page will reflect your current location.

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