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Say hello to
QuickPay and PlatinumPay

Welcome to QuickPay and PlatinumPay—because spending evolved, and so should your account. Now, see which one suits your style.

debit card

QuickPay

Simple and reliable― it has all the essential tools to manage your money1

$6.95

per month (Select here to see how to waive this fee)

GET QUICKPAY

  • Stay Paperless with Free e-Statements.
  • Instant Money Transfers with Zelle®.
  • Always Accessible Visa Debit Card.
  • 24/7 Online and Mobile Banking.
  • PayCheck Perks Compatibility: Maximize your savings and rewards by pairing with our PayCheck Perks program.

PlatinumPay

Premium perks for those who expect more from their checking account2

$8.95

per month (waived with $10,000 average daily balance)

GET PLATINUMPAY

Everything in QuickPay, plus:

  • Earn Dividends: Grow your balance with a 0.05% APY on deposits of $2,500 or more.
  • ATM Fee Reversals: Get up to 4 non-SkyOne ATM fees reversed each month.
  • Notary and Cashier’s Check Perks: Save on notary services and cashier’s checks every month.
  • Club Checking Benefits: Enjoy IDProtect®8, cell phone protection11, travel and leisure discounts, and more. Select here to learn more about Club Checking.

Better Together with Paycheck Perks3

An add on for your pay account that makes saving effortless and rewarding.

Earn 5% APY*

Earn up to 5.00% or 4.00% depending on your direct deposit amount. Paycheck Perks exclusive.*

Cash Back

Get paid when paying. Simply swipe or tap your debit card and you’ll get cashback.4

Round Up

We’ll round up your spare change so you make more on your savings as you spend.5

Learn More

All the essentials included

Whichever pay account you choose, you’ll have all you need.

icon of a phone with online banking transaction on it

Online & Mobile Banking

Check balances and transactions, deposit checks, and more, 24/7 online or through our mobile app.6

an icon of a map

Branches & ATMs

Enjoy access to over 30,000 surcharge-free ATMs and 4,000+ shared branches near you & nationwide.

an Icon of a phone with zelle logo on it indicating sending money

Access to Zelle®

a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank.7

Bill Pay

Bill pay makes it easy to pay all your bills on time and with ease, say goodbye to late fees and hassles.

Merchant Services Icon

Tap to pay

Simply tap your card or your mobile device at a compatible payment terminal.

an icon of a shield protecting money

NCUA Insured

NCUA secured up to $250,000, for peace of mind when it comes to your money

Still not sure which one?

Compare QuickPay and PlatinumPay side by side.

QuickPay PlatinumPay
Rate
0.00% 0.05% APY2 on deposit balances of $2500 or more
Minimum Deposit Amount
$20 $20
Maximum Deposit Amount
Unlimited Unlimited
Account Maintenance Fee
$6.95 monthly, waived with one or more of the following conditions:
-Age 25 or under
-Age 65 or older
-Active LOC including HELOC
-Active Consumer Loan including mortgage
-Minimum average daily balance of $2500 across all accounts
-Aggregate direct deposit of $1000 or more
-Make a minimum of 20 debit card transactions per month (POS only)
$8.95 monthly, waived with $10,000 ADB on deposit
Other Fees
None None
Benefits
-Free E-statements
-Zelle Access
-Debit Card
-Online and mobile banking access
-Free E-statements
-Zelle Access
-Debit Card
-Online and mobile banking access
-ATM Fees Reversed (first 4 non-SkyOne ATM transactions reversed each statement period)
-Notary Fee Waived (1 per month, $15 value)
-Cashier’s Check Fee Waived (4 per month, $20 value)
-Domestic Wire Fee Waived (1 per month, $30 value)

Club Checking Benefits
-IDProtect®8 Benefits
-Identity Monitoring
-Travel & Leisure Discounts
-Health Discounts
-Credit Score Tracker9,10
-Cellular Telephone Protection11
-Roadside Assistance11
-Fuel Savings12
-Telehealth Plan13
-Select to learn more

Disclosure

1QuickPay

Rate Information: This is a non-interest-bearing account.

Minimum Balance Requirements: The minimum balance required to open this account is $20.00.

Transaction Limitations: No transaction limitations apply to this account.

Monthly Service Fee: $6.95

Ways To Avoid The Monthly Service Fee: $0 Monthly Service Fee when one or more of the following conditions are met during each monthly statement period: You are age 25 or under, are age 65 or older, have an active Line of Credit including Home Equity Line of Credit (HELOC) (activity is defined as carrying a balance or making an advance each month of $100 or more), have an active consumer loan including mortgage, maintain an average daily balance of $2,500 or more, have an aggregate direct deposit of $1,000 or more into your SkyOne account where the QuickPay account is held, or make a minimum of twenty (20) debit card point of sale (POS) transactions.

Other Fees That May Apply: Refer to the Schedule of Service Charges.

Electronic Services: Upon approval of a request for a QuickPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA® Debit Card. Separate registration is required for online and mobile banking access at www.skyone.org.

2PlatinumPay Account

Rate Information: Dividends up to 0.05% (APY) Annual Percentage Yield. SkyOne rates and terms are effective as of 08.05.2024. The rate is variable and is subject to change after the account is opened without notice. Refer to our separate rate sheet at https://www.skyone.org/rates for the current rate. You must maintain a minimum average daily balance of $2,500 in your PlatinumPay account to earn dividends.

Dividend Information: Dividends will be compounded and credited monthly. Fees may reduce earnings on the account.

Minimum Balance Requirements: The minimum balance required to open this account is $20.00.

Transaction Limitations: No transaction limitations apply to this account.

Monthly Service Fee: $8.95

Ways To Avoid The Monthly Service Fee: $0 Monthly Service Fee when the following condition is met during each monthly statement period: Keep an average daily balance of $10,000 or more in the PlatinumPay account.

Other Fees That May Apply: Refer to the Schedule of Service Charges.

Electronic Services: Upon approval of a request for a PlatinumPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA® Debit Card and a PIN for Telephone Banking. Separate registration is required for online and mobile banking access at www.skyone.org.

Eligibility: Must be a United States resident, 18 years or older, with a valid Social Security Number to be eligible for the benefits of the PlatinumPay Account.

3Paycheck Perks

*APY=Annual Percentage Yield. SkyOne rates and terms are accurate as of 07.23.2024 and are subject to change after the account is opened without notice. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. The minimum cumulative monthly direct deposit required to earn dividends is: $0.00 – $2,499.99 to earn 0.05% APY, $2,500.00- $4,999.99 to earn 4.00% APY, and any direct deposit of $5,000 or more to earn 5.00% APY.

Dividend Period: For this account type, the dividend period is monthly. For example, if the beginning date of the first dividend period of the calendar year is January 1, the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above, is January 31. You will not receive the accrued dividends if you close your account before dividends are paid.

Minimum Balance: No minimum balance is required to open this account. Dividends will be paid to the Perk Central account at the disclosed rate, and APY provided. Rates are tiered based on the amount of cumulative monthly direct deposits made to the account. A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited through the Automated Clearing House (ACH) network to any share account (suffix) within the same account to obtain the disclosed APY. Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM do not qualify. During the month, if there is no deposit of $2,500 or more credited to the account, the dividend rate and APY will default to the Regular Savings Account APR and APY disclosed on the current rate sheet.

Average Daily Balance Computation Method: Dividends are calculated using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly dividend period.

Compounding and Crediting: Dividends will be compounded monthly and credited to your account on the last day of the month.

Maximum Deposits Allowed: The maximum balance allowed to be transferred monthly is dependent on the amount of direct deposit posted to the account. Accounts with a cumulative monthly direct deposit of $2,500 – $4,999.99 will be allowed a maximum deposit of $500.00 to the Perk Central account. Accounts with a cumulative monthly direct deposit of $5,000 or more will be allowed a maximum deposit of $1000.00. Any other deposits or transfers, except for Round Up change or other promotional perks, will be swept out of the Perk Central account nightly and transferred into the Primary Savings account.

You must be a member in good standing to enroll in Paycheck Perks. A member in good standing means: no loans delinquent more than 30 days, no checking accounts with zero or negative balance more than 30 days, no charged off SkyOne loans or share accounts, no ChexSystems records, no bankruptcies, levies or garnishments, and dormant (inactive) account status. Please refer to Member Conduct and Limitation of Services Disclosure, for additional information regarding what it means to be a member in good standing.

4 Paycheck Perks Swipe Bonus
If you make at least 25 debit card point-of-sale purchases (excluding PIN-based transactions) of at least $1 each per month, you will receive $5.00. The funds will be credited to your Perk Central account. To qualify for the Paycheck Perks Swipe Bonus, you must be eligible for a checking account and debit card. Please note that we reserve the right to cancel or modify the Paycheck Perks Swipe Bonus program at any time without prior notice. Additionally, the Paycheck Perks Swipe Bonus is not available for business debit cards.

5Round Up
When you enroll in our Round Up program, we round up the amount of any debit card purchase by you or a joint owner of your checking account to the next whole dollar amount. We then transfer the excess amount of the purchase from your checking account to the Perk Central savings account. The sum of all round-ups from debit card purchases will be transferred at the end of the day to the Perk Central account. If there is more than one checking share on the account with debit card purchases, one transfer will occur from each checking account share to the Perk Central account. If you do not have sufficient funds to transfer the sum of all round-up amounts, no transfer will occur. Only the actual debit amount will be posted. If a purchase made with your debit card is reversed or returned, only the original debit amount will be refunded. You will not see a reversal of the round-up amount. To qualify for Round Up, you must be eligible for a checking account and debit card. We may cancel or modify the Round Up program at any time without prior notice. Round Up is not available for business debit cards. You may opt out of the Round Up program at any time by contacting us at 800.421.7111, live chatting with us at www.skyone.org, or emailing us at memberservices@skyone.org.

Fees may reduce earnings Please refer to the Fee Schedule and All in One Disclosure for complete details.

6Carrier message and data rates may apply.

7U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

Registration/activation required

8 Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

9 You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

10 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

11 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. All Guide to Benefits and/or insurance documents can be found online at SkyOne.ClubChecking.com. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.

12 Restrictions apply. Go to FuelRewards.com for details. PlatinumPay members who activate this offer will receive Extended Gold Status at participating Shell stations. See SkyOne.ClubChecking.com for details.

13 Available for the account owner and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is NOT insurance.

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