SMARTPAY
Get ahead. Stay ahead.
SmartPay helps you stay prepared for the unexpected while keeping your savings goals on track.
SmartPay Benefits
- 1.00% Annual Percentage Yield (APY)
- Two Overdraft Protection waivers per year
- No fees for eligible Skip-a-Pay
- Round Up Savings Feature
- Up to Two-Days early Payday
- Instant Money Transfers with Zelle®
- Always accessible Visa® Debit Card
- 24/7 Online and Mobile Banking
- 66,000+ Fee-Free ATMs Nationwide
- Includes Greenlight® for up to five kids
Be prepared
Handle unexpected expenses with Skip-a-Pay and Overdraft Privilege Services, including two overdraft fee waivers per year.
Early Payday
Forget payday loans! Get your paycheck up to two days early with direct deposit of your payroll into your SkyOne account.
Round Up
Round up your debit card purchases into the nearest dollar and watch your change grow into savings. Watch coffee runs turn into a family trip!
Greenlight App Included
Easily manage allowances and rewards with the Greenlight mobile app—plus, get a debit card for up to five kids.
Paycheck Perks
Your paycheck unlocks premium perks
Round-Up
Automatically round up your extra change into savings
Early Payday
Get your paycheck up to two days early
Swipe Bonus
Tap or swipe your debit card 25 per a month and get $5
Loan Discount
Pay less with lower rates on certain loans
Open your SmartPay checking account with a minimum $20 deposit today.
The Greenlight® App Is Included with your Pay Account
At SkyOne we help families thrive. The Greenlight® app makes it easy to teach saving, spending, and responsibility through everyday family routines.
Chores
Assign repeating chores or one-off jobs for up to 5 kids and tie their allowance to it- or not. Giving rewards is so much easier.
Allowance
Set budgeting on autopilot by choosing your payout frequency, and setting limits on how much your kid can spend on a category.
Money Goals
Set money goals in the app with your kids and teens to show them it pays to save. Enjoy high rates on your savings.
Watch how Round-Up adds up
Checking Rates
Rates effective as of
| QuickPay | N/A | N/A |
| SmartPay | 1.00% | 1.00% |
| PlatinumPay | 0.05% | 0.05% |
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.
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:
Enrollment is required unless otherwise stated.
APY Information
APY = Annual Percentage Yield.
The 4.00% APY is an introductory rate applicable to the Perk Central Savings account for eligible members.
Rates and terms are accurate as of 04/01/2026
Rates are variable and may change after account opening without notice
A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY
Fees may reduce earnings
Introductory Period
For the first five (5) months, there is no balance cap on funds eligible to earn the introductory APY.
After the introductory period:
- 3.00% APY applies to balances from $0.00–$100,000
- Balances above $100,000 earn the Regular Savings APY
- Existing Perk Central members earn the current APY, subject to change
- Members with cumulative monthly direct deposits between $0.00–$2,499.99 earn 0.05% APY.
Dividend Calculation Method
Dividends are calculated using the average daily balance method and credited monthly.
Swipe Bonus
With at least 25 debit card purchases of $1 or more per month, a $5 credit will be deposited to Perk Central. Excludes PIN transactions. Subject to modification or cancellation without notice.
Member in Good Standing
Eligibility requires the member to be in good standing. Fees may reduce earnings. See the Fee Schedule and All‑in‑One Disclosure for details.