Answers to commonly asked questions

About Signature Bank 2 questions
  • 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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Automatic Payments 1 question
  • 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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Debit Cards 3 questions
Credit Cards 1 question
Client Service 1 question
Commercial/Specialized Lending 1 question
Check Reorder 1 question
  • 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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Checking Accounts 1 question
Address and Phone Number Change 1 question
Deposit Accounts 8 questions
  • 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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Feedback 1 question
  • 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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Identity Theft 9 questions
  • 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.com.  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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Individual Retirement Accounts 3 questions
Loan Payments 1 question
Mobile Banking 4 questions
Online Banking 8 questions
  • Is it Safe to Bank on Wifi?

    Wi-Fi makes it easy to access information and do business online—whether you’re around the house, around town, or anywhere around the world. But just because it’s easy doesn’t mean it’s wise. The fact that Wi-Fi broadcasts data to anybody in range means that your information could be at risk. That’s especially risky if you use Wi-Fi for online banking.

    Connecting Is Risky

    You don’t need to access financial accounts to expose yourself to risk.

    Simply connecting to a wireless network to find the nearest eatery can cause problems, although the risk may be small. When your device connects to the internet, numerous applications running in the background might take the opportunity to go online (to check for updates or new messages, for example).

    What’s the risk of letting those applications run wild? Some of the information they send might not be encrypted. It might not be sensitive personal information, but it could be useful information for thieves. Potential leaks include your email address, locations you frequent, usernames that you’re fond of, and more. With those details, thieves can piece together enough information to do some kind of damage (whether that’s getting into your bank accounts or stealing your identity). Alternatively, they can leverage that information to mount a social engineering attack.

    When you use Wi-Fi, your device broadcasts everything you send over the airwaves. Any computer within range can “listen” to that communication, although ideally, the transmission is encrypted so that only authorized devices understand it.

    Secure Websites and Apps

    For the most part, financial websites and apps protect your information by encrypting it before sending it over a network. As a result, your information is quite secure, even if thieves are listening. Your browser should notify you when you’re on a secure site by displaying a padlock icon and showing “https” (the “s” is the important part) in the address bar.

    However, the appearance of a secure site is no guarantee. If you connect to a compromised network (where somebody installed malicious software on the Wi-Fi equipment, for example), hackers can hijack traffic so that you go to a fake “secure” site instead of a legitimate website. Even if you use a bookmark or type in the web address correctly, you can end up on an impostor page that looks just like a legitimate site.
    You might believe that mobile apps are safer than websites (they’re probably harder to attack than a web page accessed by browser), but that may be a false sense of security. In 2014, PCWorld reported serious weaknesses in mobile banking apps. Still, it’s harder to end up at an impostor site if you use an app.

    Tips for Safe Banking

    At some point, you’ll probably need to conduct financial business on Wi-Fi, whether it’s checking your balance before a major purchase or depositing a check. So, what can you do to keep your information safe, whether you’re out and about or just banking from the couch?

      • Stay up-to-date: Keep your operating system updated, whether you use a mobile device, laptop, or desktop. Using outdated software is like leaving your door unlocked—hackers know how to get in, and it’s easy to fix most vulnerabilities with an update. If you choose not to enable automatic updates, pay attention to notifications (especially if they reference critical security patches).
      • Use cellular networks: If you have a data plan, use your mobile network instead of Wi-Fi for banking. It’s still possible for thieves to get into those networks, but it’s not nearly as easy as hacking Wi-Fi. If you can tether other devices or set up a mobile hotspot, do that—at least while you conduct banking business.
      • Use credit cards for shopping: If you make purchases while using Wi-Fi, credit cards are typically safer than debit cards. A debit card draws directly from your checking account, so a thief with your card number can cause serious problems (interfering with your ability to pay bills and buy food, for example). With a credit card, you have a buffer protecting your checking account—plus you have better consumer protection and a grace period to get things cleaned up.
      • Control your devices: Don’t set your laptop or mobile device to “connect automatically” when it finds available networks. Thieves can set up a fake Wi-Fi network very easily, and they often give those networks commonly used names (like Free Wi-Fi, Airport Wi-Fi, or Hotel Wi-Fi). Always ask which network to connect to.
      • Use any security available:  For example, two-factor authentication makes it much harder for hackers to log in to your account. You can arrange things so that it requires you to enter a unique code (sent to you by text message or generated by an app) every time you log in. That code only works once, so thieves have a hard time taking over your account if they get your username and password (or even one of those expired codes).
      • Use security software: Security software goes a long way toward keeping you out of trouble. Keep antivirus and firewall programs up to date, and use a virtual private network (VPN) to access sensitive information over public Wi-Fi. Avoid jailbreaking or rooting your mobile device, as doing so can make secure devices and apps much less secure.
      • Trust your browser: Your web browser wants to help you stay safe. When visiting secure sites, make sure that “https:” appears in the address bar and look for the padlock icon. If you get any warnings (such as untrusted certificates or similar)—especially unexpected warnings while using Wi-Fi away from home—wait until you’re on a secure network to access bank accounts.
    • Monitor your account: Whether or not your bank on public Wi-Fi, it’s critical to review your accounts regularly. Doing so helps you spot errors and signs of fraud. Plus, you’ll probably pay fewer overdraft fees. A quick scan through transactions is a good start, but you can also balance your account monthly for a more thorough review. Federal law protects you from errors and fraud in your account, but you need to act fast to get those benefits.
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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.com 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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Pre-approval for Consumer Loans 3 questions
Product and Services 1 question
SBA Loans 4 questions
Statement Copies 1 question
  • 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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Stop Payments 1 question
  • 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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Website Safety 3 questions
  • Is it Safe to Bank on Wifi?

    Wi-Fi makes it easy to access information and do business online—whether you’re around the house, around town, or anywhere around the world. But just because it’s easy doesn’t mean it’s wise. The fact that Wi-Fi broadcasts data to anybody in range means that your information could be at risk. That’s especially risky if you use Wi-Fi for online banking.

    Connecting Is Risky

    You don’t need to access financial accounts to expose yourself to risk.

    Simply connecting to a wireless network to find the nearest eatery can cause problems, although the risk may be small. When your device connects to the internet, numerous applications running in the background might take the opportunity to go online (to check for updates or new messages, for example).

    What’s the risk of letting those applications run wild? Some of the information they send might not be encrypted. It might not be sensitive personal information, but it could be useful information for thieves. Potential leaks include your email address, locations you frequent, usernames that you’re fond of, and more. With those details, thieves can piece together enough information to do some kind of damage (whether that’s getting into your bank accounts or stealing your identity). Alternatively, they can leverage that information to mount a social engineering attack.

    When you use Wi-Fi, your device broadcasts everything you send over the airwaves. Any computer within range can “listen” to that communication, although ideally, the transmission is encrypted so that only authorized devices understand it.

    Secure Websites and Apps

    For the most part, financial websites and apps protect your information by encrypting it before sending it over a network. As a result, your information is quite secure, even if thieves are listening. Your browser should notify you when you’re on a secure site by displaying a padlock icon and showing “https” (the “s” is the important part) in the address bar.

    However, the appearance of a secure site is no guarantee. If you connect to a compromised network (where somebody installed malicious software on the Wi-Fi equipment, for example), hackers can hijack traffic so that you go to a fake “secure” site instead of a legitimate website. Even if you use a bookmark or type in the web address correctly, you can end up on an impostor page that looks just like a legitimate site.
    You might believe that mobile apps are safer than websites (they’re probably harder to attack than a web page accessed by browser), but that may be a false sense of security. In 2014, PCWorld reported serious weaknesses in mobile banking apps. Still, it’s harder to end up at an impostor site if you use an app.

    Tips for Safe Banking

    At some point, you’ll probably need to conduct financial business on Wi-Fi, whether it’s checking your balance before a major purchase or depositing a check. So, what can you do to keep your information safe, whether you’re out and about or just banking from the couch?

      • Stay up-to-date: Keep your operating system updated, whether you use a mobile device, laptop, or desktop. Using outdated software is like leaving your door unlocked—hackers know how to get in, and it’s easy to fix most vulnerabilities with an update. If you choose not to enable automatic updates, pay attention to notifications (especially if they reference critical security patches).
      • Use cellular networks: If you have a data plan, use your mobile network instead of Wi-Fi for banking. It’s still possible for thieves to get into those networks, but it’s not nearly as easy as hacking Wi-Fi. If you can tether other devices or set up a mobile hotspot, do that—at least while you conduct banking business.
      • Use credit cards for shopping: If you make purchases while using Wi-Fi, credit cards are typically safer than debit cards. A debit card draws directly from your checking account, so a thief with your card number can cause serious problems (interfering with your ability to pay bills and buy food, for example). With a credit card, you have a buffer protecting your checking account—plus you have better consumer protection and a grace period to get things cleaned up.
      • Control your devices: Don’t set your laptop or mobile device to “connect automatically” when it finds available networks. Thieves can set up a fake Wi-Fi network very easily, and they often give those networks commonly used names (like Free Wi-Fi, Airport Wi-Fi, or Hotel Wi-Fi). Always ask which network to connect to.
      • Use any security available:  For example, two-factor authentication makes it much harder for hackers to log in to your account. You can arrange things so that it requires you to enter a unique code (sent to you by text message or generated by an app) every time you log in. That code only works once, so thieves have a hard time taking over your account if they get your username and password (or even one of those expired codes).
      • Use security software: Security software goes a long way toward keeping you out of trouble. Keep antivirus and firewall programs up to date, and use a virtual private network (VPN) to access sensitive information over public Wi-Fi. Avoid jailbreaking or rooting your mobile device, as doing so can make secure devices and apps much less secure.
      • Trust your browser: Your web browser wants to help you stay safe. When visiting secure sites, make sure that “https:” appears in the address bar and look for the padlock icon. If you get any warnings (such as untrusted certificates or similar)—especially unexpected warnings while using Wi-Fi away from home—wait until you’re on a secure network to access bank accounts.
    • Monitor your account: Whether or not your bank on public Wi-Fi, it’s critical to review your accounts regularly. Doing so helps you spot errors and signs of fraud. Plus, you’ll probably pay fewer overdraft fees. A quick scan through transactions is a good start, but you can also balance your account monthly for a more thorough review. Federal law protects you from errors and fraud in your account, but you need to act fast to get those benefits.
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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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Wire Transfers 1 question
Surcharge Free ATM Network 1 question
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