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 [current_date]. 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. 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.

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.

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:

Enrollment is required unless otherwise stated.

Swipe Bonus
A minimum cumulative direct deposit of $2,500 in your account(s) is required to activate the swipe bonus. Members who complete at least 25 qualifying debit card purchases of $1 or more during a calendar month will receive a $5 credit to their Perk Central account. Excludes PIN transactions. Subject to modification or cancellation without notice. The funds 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. Please note that 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.