Signature Rewards Checking

Make a deposit, manage your checking and savings, transfer funds, and more on the go.

Make money while you spend it.

Enjoy cash back on debit card purchases and Refunds on ATM Withdrawal Fees, Nationwide*

Earn 2.00% cash back on your debit card purchases up to $96 back per year ($8 per month).*

You’ll also get refunds on ATM withdrawal fees, nationwide — so you can get cash whenever you need it. Open your account online now!


  • Free checking that pays you back
  • 2.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $400 in purchases monthly
    • Earn up to $96 cash back per year, $8 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free e-statements
  • Free mobile banking
  • Free debit card
  • Free telephone banking
  • No minimum deposit to open


Enrollments must be in place and all of the following transactions and activities must post and settle to your Signature Rewards Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking
  • At least 1 ACH transaction credit

And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Earn your ATM fees back, too

Don’t worry. Signature Rewards Checking refunds your ATM fees, nationwide.* No matter which reward you choose!

*Qualifying transactions must post and settle to the Dirigo Signature Rewards Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. For the Dirigo Signature Rewards Checking , if qualifications are met each monthly qualification cycle: (2) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to account on the last day of the monthly statement cycle; (3) When Signature Rewards qualifications are met during a Monthly Qualification Cycle, you will receive: (a.) 2.00% cashback on up to a total of $400.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $8.00 per Monthly Qualification Cycle. (b.) Reimbursements up to an aggregate total of $25.00 (a maximum of $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if a transaction receipt is received within sixty (60) calendar days of the withdrawal transaction. If qualifications are not met however no ATM refunds will be paid. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. Having at least one ACH Credit in your Dirigo Signature Rewards Checking account, a minimum of 12 POS debit card transactions, and receipt of electronic statements are conditions to qualify for the monthly reward each cycle period. If you close your account before the reward is credited, you will not receive the accrued dividend. Rates and rewards are variable and at our discretion, may change after the account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or receive the account’s rewards. See the accompanying Schedule of Fees for fees that may apply to this account. Rewards less than a penny cannot be distributed. Limit one account per social security number. Federally Insured by NCUA.

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DIRIGO Honors & Signature Rewards Checking

Account TypeDividend RateAnnual Percentage YieldMinimum Balance
Dirigo SAVER No Longer Offered.99%1.00%None
Dirigo SAVER No Longer Offered0.29%0.53%-1.00%$50,000.01
Dirigo Honors Checking ($0-$25,000)1.98%2.00%None
Dirigo Honors Checking (over $25,000)0.29%0.64%-2.00%$25,000.01
Dirigo Honors Checking (Qualifications NOT met)0.05%0.05%None
Dirigo Signature Rewards0.00%0.00%None