Checking Signature

Checking Products

Every new personal checking account includes the following complimentary features:

✔ Signature Bank Mastercard Debit Card
✔ Digital Banking with bill pay
✔ Telephone Banking, Text Banking, and Phone Transfers
✔ Mobile Deposit with your smartphone
✔ Paper or eStatements
✔ ATM Fee Refunds Nationwide
✔ Unlimited checking and debit card use
✔ Signature FinancialVue online management
✔ Overdraft Privilege (see disclosure here)

Need help determining which of our accounts is best for you?

Try out the educated search feature on our homepage! Just type “checking” into the “How can we help you today?” bar and the questions will guide you to the right account to get the most bang for your buck.

The Signature Account

Designed to reward customers for their total bank relationship, this interest-bearing account offers the most extras of any of our checking options.

Your signature is unique, just like you! That’s why we created the Signature account to take care of your unique needs. Unlimited check writing? You got it, along with unlimited debit card use. Want to earn interest? No problem. Want a refund on ATM fees, no matter whose machine you use? We’ll give it to you. And that’s just the start!

Summary

Interest paid on total collected balances
$25 monthly service charge waived with a total of $40,000 in personal loans and/or deposit accounts
Free premier checks
Overdraft Privilege up to $1,000 available (See disclosure here)
Free overdraft transfers from other accounts through Account Link
Free domestic wire transfers
50% ongoing discount on safe deposit box
Free paper or eStatements including check images
$100 minimum opening deposit

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Advantage One Checking

Get the benefits of unlimited check writing, ATM fee refunds, free mobile deposit, and no monthly fees while earning interest on your balance of $1,000 or more!

With Advantage One Checking, you don’t need a million dollars in your account to get unlimited checking and earn interest, too! Build your balance while still having easy access to your money via check, debit card, online, or mobile. Plus, we refund ATM fees, so you can always get cash when you need it.

Summary

Earns interest when balances are $1,000 or more
First order of standard checks is FREE
One FREE Domestic Wire per month
50% ongoing discount on Safe Deposit Box
No monthly service charge* when you meet ONE of the following requirements:
1. Average monthly balance of $1,000 or more
2. A monthly accumulative direct deposit of $2,000 or more during the statement cycle
3. An additional checking, money market, or savings account with an average balance of $1,000 or more
*If none of these requirements are met you will receive a $10 monthly service charge
Overdraft Privilege up to $500 available ( see disclosure here )
Free paper or eStatements including check images
$100 minimum opening deposit

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Advantage Plus Checking

This free, interest-bearing account was created to let customers age 55 and older know how much we appreciate them. Enjoy unlimited check writing, ATM fee refunds, and much more.

At Signature Bank of Arkansas, we believe life should get better with age. That’s why we created a totally free, interest-bearing checking account to let our more mature customers know how much we appreciate them. If you’re age 55 or better, you can enjoy the perks of unlimited check writing, ATM fee refunds, and free specialty checks to make managing your money easy.

Summary

For customers age 55 and older
Earns interest when balances are $850 and more
No monthly service charge
Free specialty checks
2 free cashier’s checks per day
50% discount on first year’s safe deposit box rental
Overdraft Privilege up to $500 available (see disclosure here)
Free paper or eStatements including check images
$100 minimum opening deposit

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Free Checking

This checking account is the most straightforward. You get unlimited checking and debit card use, online banking with bill pay, and more—all for no monthly fee.

Free checking is a relatively simple idea. It’s your money, so why be charged for using? At Signature Bank of Arkansas, we give you free and easy access to your account through unlimited check writing and unlimited debit card use. We also provide ATM fee refunds, so it truly doesn’t cost a thing to get your money.

Summary

No monthly service charge or minimum balance
Overdraft Privilege up to $500 available (see disclosure here)
Free paper or eStatements
$100 minimum opening deposit

Apply Now

Check Maintenance

Place a First Time Order Reorder Checks

Customer Notice

Effective July 1, 2020 changes are coming to Regulation CC (Hold Funds Availability thresholds).

The adjustments to the rule are as follows:

The minimum amount of deposited funds that must be made available for withdrawal by opening of business on the next day for certain check deposits is increasing from $200 to $225 for case by case holds.
The amount of funds deposited by certain checks in a new account that are subject to next-day availability is increasing form $5,000 to $5,525 for new account exception holds.
For large deposit exception holds the threshold amount is changing from $5,000 to $5,525 if the aggregate amount of checks on any banking day exceeds the threshold.
The threshold for determining whether an account has been repeatedly overdrawn is increased form $5,000 to %5,525 for repeat overdraft exception holds.

All of the above changed begin July 1, 2020 and, per the rule, the indexes will adjust every five years going forward.

If you have any questions, please contact us at (877) 888-8550.