Paycheck Perks works best with
QuickPay or PlatinumPay
See which pay account best suits your lifestyle.
QuickPay
Simple and reliable― it has all the essential tools to manage your money1
$6.95 $0.00
per month (See how fee is waived with Paycheck Perks)
- 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)
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 Benefits.
All the essentials included
Whichever pay account you choose, you’ll have all you need.
Online & Mobile Banking
Check balances and transactions, deposit checks, and more, 24/7 online or through our mobile app.6
Branches & ATMs
Enjoy access to over 30,000 surcharge-free ATMs and 4,000+ shared branches near you & nationwide.
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.
Tap to pay
Simply tap your card or your mobile device at a compatible payment terminal.
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.
| PlatinumPay | QuickPay |
|---|---|
| Rate | |
| 0.05% APY2 on deposit balances of $2500 or more | 0.00% |
| Minimum Deposit Amount | |
| $20 | $20 |
| Maximum Deposit Amount | |
| Unlimited | Unlimited |
| Account Maintenance Fee | |
| $8.95 monthly, waived with $10,000 ADB on deposit | $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) |
| Other Fees | |
| None | None |
| Benefits | |
|
-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 |
-Free E-statements -Zelle Access -Debit Card -Online and mobile banking access |
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.
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.
