Signal Financial Federal Credit Union

Headquarters: Kensington, Maryland
Charter: Credit Union
Assets: $363.9M
Fed district: Richmond

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Signal Financial Federal Credit Union: $32
Signal Financial Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Signal Financial Federal Credit Union: $32
Signal Financial Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Signal Financial Federal Credit Union: $1
Signal Financial Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Signal Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (New account closed in the first 6 months)$25
Escheatment to State$50
Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0)$10
per month
Inactivity—Inactive (1 year of no member-initiated activity & balance is > $0)$10
per month
Paper Statement$2
per month
Bad Address—Returned Mail$10

Overdraft & NSF

Overdraft$32
per item
Returned Item—Uncollected Funds$32
per item

ATM & Card

ATM—Foreign ATM$1
Debit Card—Replacement$10
per item
Card Expedited Fee-UPS$35
per item
Debit Card—Foreign Transaction (International)1%of the transaction
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$30
per item
Outgoing Foreign Wire Transfer$45
per item

Check Services

Official Check$7
per item
Official Check Stop Payment$31
per item
Stop Payment—Credit Union Assisted$31
per item
Stop Payment—Online Banking or Automated Telephone System$20
per item
Special Collection Item$31
per item
Check Copy—Deposited or Cleared (Credit Union Assisted)$3
per item
Official Check Copy$10
per item
VISA Convenience Check Copy$5
per item

Digital & Electronic

Bill Pay Payments—Expedited Payment$34.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Return Deposited Item$32
per item

Account Services

Safe Deposit Box—Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box—Lost Key Replacement$20
Not compared: Box drilling or key fee
Garnishments or Levies Processing$75

Other Fees

Statement Copy$10
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy | $10/statement
VISA Statement Copy$10
per item
Skip-a-Pay$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (New account closed in the first 6 months)	$25	Not stated	None
Escheatment to State	$50	Not stated	None
Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0)	$10	per month	None
Inactivity—Inactive (1 year of no member-initiated activity & balance is > $0)	$10	per month	None
Paper Statement	$2	per month	None
Bad Address—Returned Mail	$10	Not stated	None
Overdraft & NSF
Overdraft	$32	per item	None
Returned Item—Uncollected Funds	$32	per item	None
ATM & Card
ATM—Foreign ATM	$1	Not stated	None
Debit Card—Replacement	$10	per item	None
Card Expedited Fee-UPS	$35	per item	None
Debit Card—Foreign Transaction (International)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	per item	None
Outgoing Foreign Wire Transfer	$45	per item	None
Check Services
Official Check	$7	per item	None
Official Check Stop Payment	$31	per item	None
Stop Payment—Credit Union Assisted	$31	per item	None
Stop Payment—Online Banking or Automated Telephone System	$20	per item	None
Special Collection Item	$31	per item	None
Check Copy—Deposited or Cleared (Credit Union Assisted)	$3	per item	None
Official Check Copy	$10	per item	None
VISA Convenience Check Copy	$5	per item	None
Digital & Electronic
Bill Pay Payments—Expedited Payment	$34.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Return Deposited Item	$32	per item	None
Account Services
Safe Deposit Box—Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box—Lost Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishments or Levies Processing	$75	Not stated	None
Other Fees
Statement Copy	$10Not compared: Charged per statement; comparison unavailable	per statement	Statement Copy \| $10/statement
VISA Statement Copy	$10	per item	None
Skip-a-Pay	$30	per item	None

Account Maintenance

Maintenance – ZBA Checking Monthly service charge$10
per month
Inactivity-Inactive (1 year of no member-initiated activity & balance is >$0)$10
per month

Overdraft & NSF

Overdraft$32
per item
Returned Item-Uncollected Funds$32
per item

ATM & Card

Debit Card – Replacement$10
per item
Card Expedited Fee-UPS$35
per item
Debit Card-Foreign Transaction (international)1%of the transaction
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$30
per item
Outgoing Foreign Wire Transfer$45
per item

Check Services

Stop Payment-Credit Union assisted$31
per item
Stop Payment-Online Banking or Automated Telephone System$20
per item

Cash & Deposit

Return Deposited Item$32
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance – ZBA Checking Monthly service charge	$10	per month	None
Inactivity-Inactive (1 year of no member-initiated activity & balance is >$0)	$10	per month	None
Overdraft & NSF
Overdraft	$32	per item	None
Returned Item-Uncollected Funds	$32	per item	None
ATM & Card
Debit Card – Replacement	$10	per item	None
Card Expedited Fee-UPS	$35	per item	None
Debit Card-Foreign Transaction (international)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	per item	None
Outgoing Foreign Wire Transfer	$45	per item	None
Check Services
Stop Payment-Credit Union assisted	$31	per item	None
Stop Payment-Online Banking or Automated Telephone System	$20	per item	None
Cash & Deposit
Return Deposited Item	$32	per item	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Signal Financial Federal Credit Union's early account closure changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Signal Financial Federal Credit Union: $32
Signal Financial Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Signal Financial Federal Credit Union: $32
Signal Financial Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Signal Financial Federal Credit Union: $1
Signal Financial Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Signal Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (New account closed in the first 6 months)$25
Escheatment to State$50
Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0)$10
per month
Inactivity—Inactive (1 year of no member-initiated activity & balance is > $0)$10
per month
Paper Statement$2
per month
Bad Address—Returned Mail$10

Overdraft & NSF

Overdraft$32
per item
Returned Item—Uncollected Funds$32
per item

ATM & Card

ATM—Foreign ATM$1
Debit Card—Replacement$10
per item
Card Expedited Fee-UPS$35
per item
Debit Card—Foreign Transaction (International)1%of the transaction
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$30
per item
Outgoing Foreign Wire Transfer$45
per item

Check Services

Official Check$7
per item
Official Check Stop Payment$31
per item
Stop Payment—Credit Union Assisted$31
per item
Stop Payment—Online Banking or Automated Telephone System$20
per item
Special Collection Item$31
per item
Check Copy—Deposited or Cleared (Credit Union Assisted)$3
per item
Official Check Copy$10
per item
VISA Convenience Check Copy$5
per item

Digital & Electronic

Bill Pay Payments—Expedited Payment$34.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Return Deposited Item$32
per item

Account Services

Safe Deposit Box—Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box—Lost Key Replacement$20
Not compared: Box drilling or key fee
Garnishments or Levies Processing$75

Other Fees

Statement Copy$10
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy | $10/statement
VISA Statement Copy$10
per item
Skip-a-Pay$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (New account closed in the first 6 months)	$25	Not stated	None
Escheatment to State	$50	Not stated	None
Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0)	$10	per month	None
Inactivity—Inactive (1 year of no member-initiated activity & balance is > $0)	$10	per month	None
Paper Statement	$2	per month	None
Bad Address—Returned Mail	$10	Not stated	None
Overdraft & NSF
Overdraft	$32	per item	None
Returned Item—Uncollected Funds	$32	per item	None
ATM & Card
ATM—Foreign ATM	$1	Not stated	None
Debit Card—Replacement	$10	per item	None
Card Expedited Fee-UPS	$35	per item	None
Debit Card—Foreign Transaction (International)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	per item	None
Outgoing Foreign Wire Transfer	$45	per item	None
Check Services
Official Check	$7	per item	None
Official Check Stop Payment	$31	per item	None
Stop Payment—Credit Union Assisted	$31	per item	None
Stop Payment—Online Banking or Automated Telephone System	$20	per item	None
Special Collection Item	$31	per item	None
Check Copy—Deposited or Cleared (Credit Union Assisted)	$3	per item	None
Official Check Copy	$10	per item	None
VISA Convenience Check Copy	$5	per item	None
Digital & Electronic
Bill Pay Payments—Expedited Payment	$34.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Return Deposited Item	$32	per item	None
Account Services
Safe Deposit Box—Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box—Lost Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishments or Levies Processing	$75	Not stated	None
Other Fees
Statement Copy	$10Not compared: Charged per statement; comparison unavailable	per statement	Statement Copy \| $10/statement
VISA Statement Copy	$10	per item	None
Skip-a-Pay	$30	per item	None

Account Maintenance

Maintenance – ZBA Checking Monthly service charge$10
per month
Inactivity-Inactive (1 year of no member-initiated activity & balance is >$0)$10
per month

Overdraft & NSF

Overdraft$32
per item
Returned Item-Uncollected Funds$32
per item

ATM & Card

Debit Card – Replacement$10
per item
Card Expedited Fee-UPS$35
per item
Debit Card-Foreign Transaction (international)1%of the transaction
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$30
per item
Outgoing Foreign Wire Transfer$45
per item

Check Services

Stop Payment-Credit Union assisted$31
per item
Stop Payment-Online Banking or Automated Telephone System$20
per item

Cash & Deposit

Return Deposited Item$32
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance – ZBA Checking Monthly service charge	$10	per month	None
Inactivity-Inactive (1 year of no member-initiated activity & balance is >$0)	$10	per month	None
Overdraft & NSF
Overdraft	$32	per item	None
Returned Item-Uncollected Funds	$32	per item	None
ATM & Card
Debit Card – Replacement	$10	per item	None
Card Expedited Fee-UPS	$35	per item	None
Debit Card-Foreign Transaction (international)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	per item	None
Outgoing Foreign Wire Transfer	$45	per item	None
Check Services
Stop Payment-Credit Union assisted	$31	per item	None
Stop Payment-Online Banking or Automated Telephone System	$20	per item	None
Cash & Deposit
Return Deposited Item	$32	per item	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.