CHECKING ACCOUNTS
Ready for what's nextThe right checking accounts for the road ahead
| Account type | Overview | Features |
|---|---|---|
| Signature Checking |
Overview
Our premier checking account lets you earn a competitive rate while enjoying unsurpassed convenience and special perks. |
Features
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Monthly service charge: $10 Waive the service charge with:
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| Simplicity Checking |
Overview
This hassle-free account makes it easy to make purchases and manage your money, all with no monthly fee. |
Features
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Monthly service charge: $0 |
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| Access Checking |
Overview
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. |
Features
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Monthly service charge: $15 Reduce the service charge to $10 with direct deposit into the account of any amount. Waive the service charge with:
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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
Mobile Wallet
Our cards have Mobile Wallet enabled, so it’s easy to pay with Apple Pay and Paypal.
Open an Account
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.
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.
Track Account Activity
Track spending and monitor account balances with Xceed Online and Mobile banking.
Order Checks Online
Did you know you can reorder checks online? Just log in to Xceed Online, navigate to Additional Services, and select eServices.
Transfer Your Checking Account to Xceed
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.
Step 2
Transfer your direct deposit to your Xceed account.
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.
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!
Let’s Get Started
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.
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.