Answers to commonly asked questions
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Is Signature Bank of GA affiliated with Signature Bank of NY?
No
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Why choose Signature Bank of GA?
We build close, enduring relationships with our business and corporate clients and are dedicated to providing a distinctly different client experience. With a history since 2005 of commitment, leadership and trust; we are invested in helping our clients prosper. Our team of financial professionals leverage in-depth market and industry expertise, along with a thorough understanding of your unique circumstances, to deliver thoughtful, unbiased advice and creative solutions that are relevant to your specific goals.
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Where do I find my bank account number and routing number?
These numbers are located on the bottom of every check. You can use the image that is illustrated on the Routing Transit Information page to help you locate the numbers on your check.
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What are automatic payments?
Automatic payments are a method of authorizing businesses such as utility companies to deduct the payments you owe from your bank account automatically. Another name for automatic payments is ACH debits.
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Can I order a debit card online?
A signature is required on this application, however please contact us to get started.
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How do I dispute a transaction?
Visit our Sandy Springs Client Engagement Center to file a dispute.
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What should I do if my debit card is lost or stolen?
Please call us at immediately at 1-800-472-3272
Note: A new card will not be automatically ordered for you. You will need to request a new card.
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How do I apply for a Signature Bank of GA credit card?
To apply for a Signature credit card, you can apply online or apply at our Sandy Springs Client Engagement Center.
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How do I obtain personalized client service?
Signature Bank provides personalized client service in a variety of ways. Choose the one most convenient for you. Visit our Client Engagement Center, dial us directly, email, initiate a chat from our website or schedule an appointment. To learn more, please go to our Client Service Support page.
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Does Signature offer business loans other than offered by the SBA?
Yes. Signature also offers business term loans and commercial mortgages. Business term loans will help fund your business projects and offer flexible payment options while our commercial mortgages provide competitive rates for buying or building facilities for your business. Signature also provides business solutions to specialized borrowers to Private, Professional and Physicians.
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How do I order checks online?
Harland Clarke is Signature Bank’s preferred provider for ordering checks online. You can reorder personal checks or business checks through the Harland Clarke Corporation web site. If you experience errors using this service, you may not currently be able to reorder your Signature Bank checks online. Please speak with a Signature representative at 404-256-7700 or visit our Sandy Springs Financial Center.
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Can I switch to a different type of checking account if my needs change?
Yes. We make switching hassle free by enabling you to keep your current account number so you won’t need to change your checks or account numbers on your payments. Just contact us when your account needs to be changed, and we will help you choose the type of account that’s right for you.
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How do I change my address and phone number?
If you have Online Banking, you may sign on and send us a secure message or, give us a call at 404-609-0676.
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Are there daily cutoff times for making deposits?
Signature does not have a cutoff time for making deposits. Any deposits received during regular business hours will post on the same day.
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How do I tell what is my actual account balance?
The current ledger balance is the actual balance of funds in your account on a specific day and will not reflect any funds that are being held or are pending.
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Do I need to save cancelled checks for my records?
No. The IRS does not require you to keep original cancelled checks. In the event you need to obtain a copy of a cancelled check, Signature securely stores images of your checks for seven years, except checks processed as electronic payments. You can contact us to request printed copies, as needed.
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How long will it take to switch my direct deposit or automatic payment?
After your request for the change has been received by the business or agency that makes the payments, please allow up to three payment periods or billing cycles for the switch to be completed.
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What is a Switch Kit?
A Switch Kit is a collection of personalized documents provided to you in order to help make the switch to Signature Bank. The Kit will contain instructions, personalized letters, an Online Bill Pay/Card Payment Worksheet and a checklist to track your progress. You can save these files to your computer and print out the letters.
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Can I split one direct deposit payment into multiple accounts?
Yes. You can split a direct deposit payment into multiple accounts.
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Why must I attach a voided check or deposit slip for my direct deposit?
The company or agency sending a direct deposit to your Signature account needs to see a voided check or deposit slip in order to verify your Signature account number and determine the routing number needed to send the payment to that particular account. Be sure to write “void” across the front of the check in order to void it.
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What is direct deposit?
Direct deposit is a free service which automatically deposits your salary, Social Security or Supplemental Security Income benefits, or any other periodic income directly into your Signature checking, savings or money market account.
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General Questions
Send your general banking comments, questions, or suggestions to us by using the link on the Contact Us page.
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Should I be concerned about someone stealing my identity?
Everyone should remain vigilant when it comes to identity theft. To learn more about what you can do to protect yourself, please visit our Online Fraud and Security Guide.
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Will closing my account end any fraudulent activity?
Closing a compromised account can prevent further fraudulent activity on the account.
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How can an identity thief get my information?
Identity thieves have been known to obtain victims’ personal information by rummaging through their trash to find unshredded information such as credit card offers, old bills and bank statements. They can also steal your mail or obtain information by posing as telemarketers and asking for identifying information over the phone or via e-mail.
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What is Phishing?
“Phishing” refers to unsolicited e-mails or Web sites that closely resemble an official communication from a company but are sent by scammers looking to deceive the receiver into supplying personal or financial information and passwords. Signature never sends unsolicited e-mails asking you to divulge personal information.
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How does Signature protect me from identity theft?
Signature uses a number of safety measures to protect client information. These measures include aggressive processes, careful policies and up-to-date technologies.
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If someone obtains my Social Security Number, what can happen?
The risk associated with someone obtaining your Social Security Number is due to it being an important piece of identifying information which can make it easier for a thief to access other information about you or fraudulently open a new account in your name.
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How can I verify an email is from Signature Bank of GA?
Signature Bank of GA will never send you an e-mail asking you to provide, update or verify your personal or account information. Therefore, you should consider any unsolicited e-mail asking you to provide passwords, Social Security numbers, PINs, credit or check card numbers, or other confidential information as potentially fraudulent.
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How do I report fraudulent email or website?
Forward the suspicious e-mail or Web page, or send information about the e-mail or Web page, to info@signaturebankga.info. If you believe you have provided personal or account information in response to a fraudulent e-mail or pop-up Web page, immediately contact a Signature Bank representative at 404-609-0676.
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How do scammers get my email address?
Scammers purchase e-mail lists through legitimate or illegitimate sources or randomly generate e-mail addresses using computers. We assure you the scammer did not obtain your e-mail from Signature Bank. Signature Bank does not sell personal or account information, including e-mail addresses. To learn more, read our privacy policy.
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Can I make my annual $5,000/$6,000 contribution into a rollover IRA?
Yes. As long as you are under age 70½ and have earned income of at least $5,000/$6,000, you may make annual contributions to your rollover IRA.
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Are IRA rollovers limited to retirees?
No. Whenever you leave a job, regardless of your age, you are eligible to move your retirement plan balance to a rollover IRA.
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Can I withdraw funds from my IRA before I turn 70-1/2?
Yes. But if you make a withdrawal before you are 59½ you will owe a 10 percent early withdrawal penalty. All withdrawals from a traditional IRA are subject to income tax, regardless of your age.
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How do I pay my loan payments online?
If you have a Signature Bank checking account, you may log into Online Banking to make your loan payment online.
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What happens if my phone is lost or stolen?
The information sent to you from Mobile Banking is similar to that printed on a typical ATM receipt – it cannot be used to identify you or compromise your accounts. That said, if your phone is lost or stolen, you should call your mobile provider to cancel service on the phone. Once you replace the phone, and if you keep the same number, Mobile Banking will continue to work. If you change your number, you will need to enroll your new number.
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What does it cost to use Mobile Banking?
Signature Bank does not charge for Mobile Banking. Message and data rates may apply. These include your wireless carrier’s fees for text messaging.
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Do I need to enroll in Signature Bank of GA Online Banking to use Mobile Banking?
Yes, in order to enroll in Mobile Banking you must first be a Signature of GA Online Banking client. If you are not currently enrolled in Signature Bank of GA Online Banking, visit the signaturebankga.info homepage and click “Enroll Now” in the Online Banking Login box.
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What devices can I use to make a mobile deposit?
Making a deposit on virtually any smartphone is available. Visit Mobile Banking to learn more.
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Will I see a check number on my account detail for bills paid through Signature Bank of GA Online Bill Pay?
Yes, check numbers are generated when the bill payment is sent as a paper check. The check number can be obtained after the check payment processes by going to “Payment History” and clicking on “View”. Note that Electronic Bill Payments do not generate check numbers.
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How do I sign up for Online Bill Pay?
If you are currently a Signature Bank online banking user, simply log into online banking, click the “Bill Pay” tab and follow the prompts. If you are not currently enrolled in either service, get started with Online Banking first by clicking here and agreeing to the terms and conditions.
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Will I receive eStatement email alerts?
Once you’ve signed up for eStatements, you will receive an e-mail alerting you when your next statement or notice is available.
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Do you offer eStatements?
eStatements is a FREE service to Online Banking clients which allows you to receive an electronic version of your statements or notices (with access to check images), instead of receiving paper statements in the mail. If you need a paper copy of your statement or notice, you can print it right from your computer. You can also download your statements for your personal records. By signing up for eStatements you can protect your identity by reducing the possibility of your statements being lost or stolen in the mail.
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How do I sign up for Online Banking?
Please follow these simple steps: Click on Online Banking Terms and Conditions If you have any questions please contact client care at via email at info@signaturebankga.info or via telephone at 404-256-7700.
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Is there a service charge for using Signature Bank of GA Online Banking?
No, Signature Bank of GA Online Banking is free for all clients.
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What accounts can I access with Signature Bank of GA Online Banking?
With Signature Bank of GA Online Banking you can get up-to-the minute information on virtually all of your Signature accounts, including:
- Checking
- Savings
- Money Market Accounts
- CDs & IRAs
- Loans
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What documents are necessary to open a business account?
In order to open a business account, Signature Bank requires the following documents.
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Can Signature approve my loan before I pick out a boat?
Yes. Signature offers conditional approvals for boat loans for a specific loan amount.
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Can my consumer loan payments be automatically drafted from my bank account?
Yes. You can take advantage of Signature’s (Electronic Payment Service). The amount of your payment, plus any additional amounts you want to add toward principal reduction on a continual basis, can be automatically deducted each month from the checking or savings account you designate.
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Can I get approved for an auto loan before I pick out the automobile?
Yes. Signature offers pre-approval commitments for a specific loan amount. This way you know exactly how much you qualify for before you shop for your car. For more information contact David Perlis at 770-206-5365.
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Do you have a summary of the products and services offered to consumer and business clients?
Please see our Personal and Business Solutions Brochures below:
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What does being an SBA Preferred Lender mean for a client?
Being a “preferred” SBA lender means we are one of a select group of providers to whom the SBA delegates the final credit decision, thereby potentially getting you a commitment much quicker.
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What kind of businesses qualify for SBA loans?
Businesses from all types of industries are eligible for SBA loans. The business can be a small start-up or have more than a thousand employees with revenues in the millions of dollars. The most common borrowers are entrepreneurs looking to start, expand or acquire a business.
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What are SBA loans?
Small Business Administration loans (SBA loans) are U.S. government guaranteed loans for business owners.
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Can I apply for a SBA Loan through Signature Bank of GA?
Yes. Signature Bank of GA is active in making SBA loans. To get started, please contact one of our Small Business Specialists. You can also visit sbaloansatlanta.
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How do I get statement copies?
If you have Online Banking, you may log in to see and print your statement copies or you can call us at 404-256-7700 to request them by mail.
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How do I add a Stop Payment?
Stop Payments can be stopped if the check has not been presented. You can request a stop payment on a range of checks or multiple stop payments on a series of checks. In Online Banking click Stop Payment, then select Single or Multiple Stop Payment Request. Enter the check serial number or range and then click the Submit Request button.
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Is the Signature Bank of GA Web site secure?
Signature Bank of GA uses a variety of advanced security mechanisms to help keep our website secure. We use encryption technology for communications that contain your confidential information. Encryption helps prevent information from being intercepted by third parties.
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What is the best way to ensure you are really on the Signature Bank of GA website?
The best way to be sure that you are really on the Signature Bank website is by typing in the URL yourself, rather than clicking on a link. Alternatively, you can create your own bookmark that will direct you to the website each time.
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What are your wiring instructions?
Use this link for the bank’s wire transfer instructions. If you have additional questions, please contact us at 404-476-8314 or 404-256-7723.
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Does the bank charge ATM fees?
Our clients are never assessed an ATM fee when using ATM’s in the continental U.S. Please see a listing of our surcharge free ATM networks.