SmartPay

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. View our most current rates here. Dividends are calculated using the average daily balance method and credited monthly. Fees may reduce earnings. A minimum opening deposit of $20 is required. Early access to funds is not guaranteed and depends on when payment information is received. A $4.95 monthly maintenance fee applies and is not waivable, Monthly maintenance fee applies. See disclosures for details. 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.