PlatinumPay

Rate Information
Rates and terms are effective as of 08/05/2024 and are variable, subject to change after account opening without notice. Rate information is available at skyone.org/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 is waived when an average daily balance of $10,000 or more is maintained during the monthly statement period.

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.

Early Payday
Direct deposit required. Timing depends on employer submission and ACH processing and is not guaranteed.

Round Up Program
If enrolled, debit card purchases are rounded up and transferred daily to your Perk Central Savings account. Program terms, limitations, opt‑out rights, and modification rights apply as described in the QuickPay disclosure above.