SMARTPAY

SmartPay Account: APY=Annual Percentage Yield. SmartPay earns 1.00% Annual Percentage Yield (APY). Rates are variable and may change after account opening without notice. View our most current rates here. APY accurate as of October 10, 2026. Dividend Information: Dividends wil be credited monthly. Fees may reduce earnings on the account. Balance Computation Method: Dividends are calculated by the average daily balance method, which applies to a periodic rate to the average daily balance in the account for the period. Accrual of Dividends: Dividends will begin to accrue on the effective business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business. Minimum Balance Requirements: The minimum balance required to open this account is $20.00. Monthly Service Fee: A $4.95 monthly maintenance fee applies to the SmartPay account. This fee is not waivable. Fees may reduce earnings on the account. Additional fees may apply. Refer to the Schedule of Services Charges for a complete listing of fees. Transaction Limitations: No transaction limitations apply to this account. Electronic Services: Upon approval of a request for a SmartPay 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. Overdraft Privilege Services Overdraft services are subject to eligibility requirements.

• Overdraft Privilege Fee: Refer to Schedule of Service Charges
• SmartPay account holders may receive
  • One (1) overdraft privilege fee waiver every six (6) months
  • Maximum of two (2) waived overdraft privilege fees per every twelve (12) months.

Additional overdrafts may be paid and subject to fees. Skip-A-Pay Skip-A-Pay service is subject to eligibility requirements and are available on eligible loans only.

• Skip-A-Pay Fee: Refer to Schedule of Services Charges
• 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.

Additional terms, conditions, and restrictions may apply. For full terms and conditions visit Terms and Conditions.

Round-Up:

Round Up will be available with all payment/checking accounts. You may opt in or opt out of Round Up at anytime, including at the time of opening a new membership with a payment/checking account.

When you enroll in our Round Up program, we round up the amount of any debit card purchase by you or a joint owner of your payment/checking account to the next whole dollar amount. We then transfer the excess amount of the purchase from your payment/checking account to your Perk Central savings account. If you do not have a Perk Central account, round-ups will be transferred to your Primary Savings account.

The sum of all round-ups from debit card purchases will be transferred at the end of the day to the Perk Central or Primary Savings account. If there is more than one payment/checking account share on the account with debit card purchases, one transfer will occur from each checking account share to the Perk Central or Primary Savings account. If you do not have sufficient funds to transfer the sum of all Round Up amounts, no transfer will occur. Only the actual debit amount will be posted. If a purchase made with your debit card is reversed or returned, only
the original debit amount will be refunded. You will not see a reversal of the Round Up amount.

To qualify for Round Up, you must be eligible for a payment/checking account and debit card. We may cancel or modify the Round Up program at any time without prior notice. Round Up is not available for business debit cards. You may opt out of the Round Up program at any time by contacting us at 800.421.7111, live chatting with us at www.skyone.org, or emailing us at 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.

Zelle®

To send or receive money with Zelle®, both parties must have an eligible U.S. checking or savings account is required. Transfers between enrolled users typically occur within minutes and generally do not incur fees.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Greenlight®:

SkyOne 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 identity verification. Upgrades will result in additional fees. Plans start 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.

Card images shown are illustrative and may vary from the card you receive.

Paycheck Perks Program:

You must opt in to Paycheck Perks to receive any of the current and future benefits of Paycheck Perks.

Swipe Bonus
To be eligible for the swipe bonus, you must have a payment/checking account with a debit card. A minimum cumulative direct deposit of $2,500 in your account(s) is required to activate the swipe bonus. If you make at least 25 debit card point-of-sale purchases (excluding PIN-based transactions) of at least $1 each per month, you will receive $5.00. The swipe bonus will be credited to the payment/checking account attached to your debit card. To qualify for the Paycheck Perks Swipe Bonus, you must be eligible for a checking account and debit card. We reserve the right to cancel or modify the Paycheck Perks Swipe Bonus program at any time without prior notice. Additionally, the Paycheck Perks Swipe Bonus is not available for business debit cards.

Loan Discount:

The 0.50% direct deposit loan discount requires at least two (2) ACH deposits greater than $1.00 totaling $1,000 or more within a rolling seventy (70) day period. Direct deposit must be established within seventy (70) days from the date of loan funding. If the direct deposit requirement is not met or maintained, the APR will increase by 0.50%. The lowest loan rate offered will not be lower than what is advertised as the “as low as” rate for the respective loan, inclusive of any applicable rate discounts.