A computation efficient polyphase channelization system enables one of many user FDMA signals to be channelized through multiple FFT response frequency bands forming an aggregate frequency band where K-point FFT channels are greater than the decimation factor M to produce FFT overlapped responses that have a smooth aggregate response without disjointed band gaps for reduced distortion using a clockwise commutator having M channels feeding M filter blocks, each of which having β polyphase filters, and having a ring switch to provide smooth filter responses that then drive β K-point FFTs to provide a β set of K vector FFT responses that are then combined in a post processing system for producing K channelized outputs.