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)
- Includes Perk Central savings
- 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
Unlock Paycheck Perks with a $2,500 cumulative direct deposit
Introductory Rate
For the first five months from account opening on direct deposits via ACH of $2,500 and above per month. Continue earning a high 3.00% Annual Percentage Yield after five months.
Swipe Bonus
Get extra $5/month for simply swiping your debit card 25 times – the way you already do.
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.
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. Dividends are calculated using the average daily balance method and credited monthly. Fees may reduce earnings. A minimum opening deposit of $20 is required. A $4.95 monthly maintenance fee applies and is not waivable. 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.
Round Up Program
When enrolled, debit card purchases are rounded up to the next whole dollar. The rounded‑up amount is transferred at the end of the day from your QuickPay account to your Perk Central Savings account, or to your Primary Savings account if Perk Central is not available.
Perk Central: 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. 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 3.00% 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 3.00% 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. 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 12/31/2025. 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 Rates and terms are accurate as of 04/01/2026 A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY Fees may reduce earnings Introductory Period After the introductory period: Dividend Calculation Method Swipe Bonus Member in Good Standing
Program Changes
The Credit Union may modify or discontinue this program at any time without notice.
You may opt out at any time by calling 800.421.7111, using live chat, or emailing 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.
APY = Annual Percentage Yield.
The 4.00% APY is an introductory rate applicable to the Perk Central Savings account for eligible members.
Rates are variable and may change after account opening without notice
For the first five (5) months, there is no balance cap on funds eligible to earn the introductory APY.
Dividends are calculated using the average daily balance method and credited monthly.
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.
Eligibility requires the member to be in good standing. Fees may reduce earnings. See the Fee Schedule and All‑in‑One Disclosure for details.