To report a lost or stolen debit card, call 1-833-933-1681. To report a lost or stolen credit card, call 1-833-541-0777.

What is Signet Online?

Signet Online is our Home Banking Account Access Service. It offers you access to your accounts right from any personal computer 24 hours a day, seven days a week. With Signet Online you can perform a variety of account activities.  You can check your balances, transfer or withdraw funds, transfer your loan payment or verify that your checks have cleared, pay bills and view eStatements. It’s easy!

How much does it cost?

Access to your accounts for transfers, inquiries and withdrawals are free with Signet Online!

How do I sign up for Signet Online?

1. Download the SignetFCU-Mobile App or go to

2. Select First time user? Enroll now.

3. Enter the information requested on the enroll screen then select Next.

4. Enter the verification code sent via SMS then select Verify.

5. Read the user agreement, then select Agree.

6. Create a Username and Password then select Next.

There is a ten minute time limit to complete all steps of the enrollment process.

When do transactions post to my account?

Signet Online operates in “real time.” This means that your transactions will post immediately to your account. All check requests will be mailed the next business day.

Can I change my access code?

You can change your Signet Online access code at any time. If you perform an access code change, you then need to sign out of your current Signet Online session by clicking the Log-Off icon, then log in with your new credentials.

What if I forget my access code?

If you forget your Signet Online access code, simply call the credit union to reactivate this service.

I keep getting the message “This transaction can not be processed” or “Restart session.”

Make sure your computer is accepting cookies. Go to the “Tools” menu and click on “Internet Options.” Then click on the “Privacy” tab and set the level to MEDIUM. Now click on the “Advanced” button and make sure you are accepting First-party and Third-party Cookies. If it is Blocking cookies, then click the Accept button, if it is also grayed out you can check the “Override automatic cookie handling” and make the changes and click the “OK” button.

I keep getting the message “The username or access code you have entered is invalid,” but I know I’m using the correct credentials.

1.    The Access Code is case sensitive, make sure your Caps Lock is either on or off according to your normal use.

2.    If you have “Usernames and passwords on forms” checked in the AutoComplete Setting, Internet Explorer will save your usernames and passwords for those fields. If you have changed your password, you may not realize that it is automatically entering your old password into this field. Here are the steps to delete this password from your database. (Note: This will also remove any other passwords you have stored in the past.)

a.    Open Internet Explorer and click on the TOOLS pull-down menu located at the top of your browser.


c.    Click on the tab marked “CONTENT”.

d.    Click on the button marked “AUTOCOMPLETE”.

e.    Click on the button marked “CLEAR PASSWORDS”.

f.     Click on OK until exited completely from options. Close your browser and reopen a new browser window.

Is my Signet Online account secure?

Signet has implemented a security system that safeguards your money and keeps your account information completely private. Signet Online has been equipped with a protected environment that uses a nationally recognized networking architecture. It consists of the highest level of data encryption available today (128-bit) throughout the transmission to prevent unauthorized access. Also, no member information is stored on the Web server that is accessed by the public. Member information is safeguarded behind layers of security, which include automatic logout, encryption, firewalls, and PIN lockout. See Security (link to security page) for more information.

Is email secure?

No, Email is not secured. Do not send any personal information such as account numbers, personal identification numbers (PIN), addresses, phone numbers or passwords through Email. All we need is your question and your full name for us to correspond back with you via Email, phone or written correspondence.

What are “cookies” and should I “enable” them?

You must have cookies enabled to access Signet Online. You can refer to your browser’s respective documentation for help in enabling cookies.

Websites use cookies to simulate a continuous connection to that site, making it more convenient for users to visit pages within a site without having to reintroduce themselves. Cookies only contain information that users volunteer and they do not have the capacity to infiltrate a user’s hard drive and sneak away with personal information. The simple function of a cookie is that of helping the user navigate a website with as little obstruction as possible.

We are closed each year for New Year’s Day, Martin Luther King Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day and Christmas Day.

We strive to keep our fees low and inexpensive when they are required. 

Nonsufficient Funds $30.00
Courtesy Pay (applies to overdrafts created by check, check card,

in-person withdrawal, ATM withdrawal, or other electronic means)

Stop Payment on Drafts or ACH $30.00
Overdraft Transfer (credit union transfers from savings to checking for you) $2.00
Draft Printing (fee depends on style ordered)
Account Balance assistance (per hr.) $20.00
Copy of Draft $2.00
Reopening Account $25.00
Transfer Account $25.00
Garnishment/Levy $30.00
Outgoing Wire Transfer $25.00
International Wire Transfer $50.00
Withdrawal Savings below $100 base fee $5.00


Excessive Cash Withdrawals
Savings (excess of 5 per month) $2.00
Foreign ATM (excess of 5 per month) $1.50


ATM WIthdrawals
Signet ATM Member’s No Charge. Non-Members $3


Debit Cards
Replacement PIN $2.00
Replacement Card $8.00
Blocked Card $15.00
Retrieval Fee $16.00
Priority Card Cost will Vary


Money Order $4.00
Official Checks (payable to other party) $4.00
Account Activity printout (per page) $.50
Late Loan Payment (14 days past due) $20.00
Check Cashing Fee/Check $5.00


Inactive Account* (per Qtr) $5.00
Return Statement** (per Qtr) $10.00


*accounts with no activity in one year (excluding members under 18) and balance less than $50

** accounts that have had two return statements and no activity in previous year


To join Signet you must live, work, attend church, attend school or volunteer in the following counties of Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall or McCracken.  You may visit any of our 6 convenient locations to apply for membership.

A credit union is a financial institution that is chartered as a not-for-profit co-operative to provide financial services to its members. MEMBERS are the owners of the credit union. There are no stockholders, which means the profits are used to benefit its membership with higher savings rates, lower loan rates and lower fees for other financial services.  In fact, many services are fee free. Each member is entitled to one vote they can cast to elect a Board of Directors.  These people serve by volunteering their time and are responsible for the policies and performance of the credit union.

When Wiring Funds to Signet use the Following Instructions.


VolCorp Federal Credit Union
ABA# 2641 8239 5


Signet Federal Credit Union
ABA# 2839 8009 9


Member’s Name
Member’s Account Number

Make a transfer, check withdrawal, payment or check your balances with a simple phone call. Call locally at 270-442-4539 or toll-free at 1-800-795-2555.Having trouble? Call us at 270-443-5261.