PlatinumPay
PlatinumPay:
Rate Information
Rates and terms are effective as of 09/15/2026 and are variable, subject to change after account opening without notice. Rate information is available at stg-skyoneorg-stg.kinsta.cloud/rates.
You must maintain a minimum average daily balance of $2,500 to earn dividends.
Dividend Information
Dividends are compounded and credited monthly.
Fees may reduce earnings on the account.
Minimum Balance to Open
$20.00.
Monthly Service Fee
A monthly service fee applies. Refer to the Schedule of Service Charges for details.
Ways to Avoid the Monthly Service Fee
The monthly service fee will be waived when you meet one of the following during each statement period:
- Maintain an average daily balance of $25,000+ in your PlatinumPay account
- Maintain an average daily balance of $150,000+
Transaction Limitations
None apply.
Other Fees
Additional fees may apply. See the Schedule of Service Charges.
Electronic Services
SkyOne VISA® Debit Cards are issued upon account approval. Online and mobile banking enrollment is required separately.
Eligibility
PlatinumPay is available to U.S. residents age 18 or older with a valid Social Security Number. Certain account types are not eligible, including minors, custodial accounts, trusts, estates, and representative payee accounts.
Account Transfer Policy
If the monthly fee cannot be collected for two consecutive months, the account will automatically convert to a QuickPay account at the beginning of the third month. The account number will remain unchanged.
ATM Fee Reimbursement
Up to four (4) ATM fees per month are reimbursed, with a maximum reimbursement of $3.00 per transaction. Reimbursements are credited on the first business day of the following month.
Zelle®
A U.S. checking or savings account is required. Transfers between enrolled users typically occur within minutes and generally do not incur fees.