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SmartPay Account: APY=Annual Percentage Yield. SmartPay earns 1.00% Annual Percentage Yield (APY) on qualifying balances. Rates are variable and may change after account opening without notice. Dividends are calculated using the average daily balance method and credited monthly. Fees may reduce earnings. A minimum opening deposit of $20 is required. A $4.95 monthly maintenance fee applies and is not waivable. Additional fees may apply. Refer to the Fee Schedule for complete details. Overdraft Privilege Services Overdraft Privilege services are subject to eligibility requirements. SmartPay account holders may receive one (1) Overdraft Privilege fee waiver every six (6) months, for a maximum of two (2) waived Overdraft Privilege fees every twelve (12) months. Additional overdrafts may be paid and subject to applicable fees. Refer to the Fee Schedule for current fees and complete details. Skip-A-Pay Skip-A-Pay is subject to eligibility requirements and available on eligible loans only. SmartPay account holders may receive a maximum of one (1) Skip-A-Pay fee waiver every twelve (12) months. Additional Skip-A-Pay requests may be available on eligible loans but will be subject to the applicable Skip-A-Pay fee. Refer to the Fee Schedule for current fees. Additional terms, conditions, and restrictions apply. Refer to the Consumer Terms and Conditions for complete details. Electronic Services Upon approval, the Credit Union will issue SkyOne ATM/VISA® Debit Cards to the member and any joint owner(s). Separate enrollment is required for online and mobile banking services at skyone.org. Round Up Program When enrolled, debit card purchases are rounded up to the next whole dollar. The rounded‑up amount is transferred at the end of the day from your QuickPay account to your Perk Central Savings account, or to your Primary Savings account if Perk Central is not available.

• If sufficient funds are not available, no transfer will be made.
• Returned or reversed purchases will refund only the original debit amount; round‑up transfers are not reversed.
• Round Up is not available for business debit cards.

Program Changes

• Effective September 22, 2025, Round Up will be automatically included for new QuickPay accounts.
• Effective October 23, 2025, Round Up will apply to all existing QuickPay accounts.

The Credit Union may modify or discontinue this program at any time without notice. You may opt out at any time by calling 800.421.7111, using live chat, or emailing memberservices@skyone.org. Early Payday Direct deposit is required. Early availability of funds depends on when your employer submits payment and may be affected by holidays or ACH processing rules. Timing is not guaranteed.