Paycheck Perks
EXTRA REWARDS MADE EASY
Want to get more for the things you already do? With a Pay Account and direct deposit, you unlock Paycheck Perks1—our program that helps you earn more from everyday activity.
Introductory Rate
Earn up to 4.00% APY* for the first five months from account opening on direct deposits via ACH of $2,500 and above per month.
Post-Intro Rate
Earn up to 3.10% APY* following your 5 month introductory rate on direct deposits via ACH of $2,500 and above per month.
Swipe Bonus1
Get an extra $5 in your account when you tap or swipe your debit card at least 25 times in a month (non-PIN transactions).
Round Up2
Round up your debit card purchases into the nearest dollar and watch your change from coffee runs grow into savings.
Ready to get your Perks?
You need a pay account to enjoy Paycheck Perks. Here’s why you should open a QuickPay Account if you dont have one:
- No Monthly Fees2
- Get your paycheck up to 2 days early3
- Includes Greenlight4 the debit card and money app for kids and teens
Whether you have a Pay Account or not, select “GET PAYCHECK PERKS” and we’ll get your started.
Disclosure
Membership required.
1Paycheck Perks
Enrollment required. Paycheck Perks program is only available when you have an open and active SkyOne Pay Account (QuickPay or PlatinumPay). Direct deposits may be made to any share account within the membership, but all perks—including the high-yield rate and cash-back rewards are credited to a special savings account called Perk Central, which will be opened upon enrollment to the program. New members opening a QuickPay account do not require enrollment.
*APY=Annual Percentage Yield. The 4.00% APY is an introductory rate available on new QuickPay and Perk Central accounts and applies to the Perk Central Account. Rates and terms are accurate as of 04/01/2026 and are subject to change after account opening without notice. A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY.
For the first five (5) months from account opening, there is no balance cap on funds eligible to earn the 4.00% introductory APY. After the introductory period, the current 3.10% APY will apply to balances between $0.00 – $100,000, and amounts above $100,000 will earn the Regular Savings account APY as disclosed on the current rates page. Existing members with an active Perk Central account earn the current APY, which is 3.10% for qualifying balances. The post-introductory APY is variable and may change at any time. Please refer to our Rates page for current rates.
Cumulative monthly direct deposits between $0.00–$2,499.99 will earn 0.05% APY. Direct deposits may be made to any share account within the membership. Dividends are paid to the Perk Central account using the average daily balance method.
Average Daily Balance Computation Method: Dividends are calculated using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The period used is the monthly dividend period.
Paycheck Perks Swipe Bonus: A minimum cumulative direct deposit of $2,500 on your account(s) is required to enjoy this service. If you make at least 25 debit card point-of-sale purchases of at least $1 each per month (combined, for joint account holders), excluding PIN-based transactions, $5.00 will be credited to your Perk Central account. We reserve the right to cancel or modify this bonus at any time without prior notice. Not available for business debit cards.
2QuickPay
Rate Information: This is non-interest bearing account.
Minimum Balance Requirements: The minimum balance required to open this account is $20.00
Monthly Service Fee: $0.00
Transaction Limitations: No transaction limitations apply to this account.
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 skyone.org.
Round Up: We round up the amount of any debit card purchase to the next whole dollar and transfer the difference from your checking account to your Perk Central account (if available) or to your Primary Savings account, at day-end. If insufficient funds exist, no transfer occurs. Reversed or returned purchases refund only the original debit amount (round ups are not reversed).
Effective September 22, 2025, new QuickPay accounts will have Round Up feature bundled into the account and the round up amount will be transferred to your Perk Central account at day-end.
Effective October 23, 2025, Round Up will be implemented across all existing QuickPay accounts. Members without an active Perk Central account will receive the round up transfers in their Primary Savings account. The Round Up status for existing members with an active Perk Central account will remain unchanged.
Round Up may be modified or canceled at any time without notice and is unavailable for business debit cards. Opt out anytime by contacting us at 800.421.7111, live chat at skyone.org, email memberservices@skyone.org or through this link.
3Early Payday: You must have direct deposit on your account to enjoy this service. Early arrival is based on the date your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences and may be affected by the Same Day ACH Rule.
4SkyOne Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their SkyOne Federal Credit Union payment account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and verification. Upgrades will result in additional fees. Plan starts at $5.99/mo. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 12/31/2026. Offer subject to change or renewal.
Perk Central: Perk Central, a special savings account, will automatically be opened with QuickPay beginning September 22, 2025. No minimum balance is required to open this account. Rates are tiered based on the amount of cumulative monthly direct deposits made to the account.
Member in Good Standing: You must be a member in good standing to enroll in Paycheck Perks (no loans delinquent > 30 days, no charged‑off loans/shares, no ChexSystems records, etc.). See Member Conduct and Limitation of Services Disclosure for full details. Fees may reduce earnings. Refer to the Fee Schedule and All‑in‑One Disclosure for complete information.