Checking Accounts


At SkyOne, we believe in your right to affordable, convenient banking. With two Checking Accounts to choose from and a range of banking tools at your fingertips - you'll get checking that works for you.

Table data for Totally Free vs Premier
Totally Free Checking Premier Checking Alert Me
Enjoy all the bells and whistles - without any monthly fees Get rewarded for maintaining a higher balance!
No dividend Earn dividends of 0.15% APY* if your average daily balance is $2,500 or more.
  • No minimum monthly balance requirement

  • No monthly fees
  • $4.95 monthly maintenance fee1, which is waived if:

  • Your Premier Checking Account's average daily balance is $2,500 or more

  • Or the aggregate average daily balance of all your deposits is $10,000 or more per month.
  • Comes with free eStatements Comes with free eStatements, but have the option to switch to paper statements
    *APY = Annual Percentage Yield. Rates are effective as of the last dividend and declaration date. The rate is variable and may change after the account is opened. A $2,500 balance is required to earn dividends. Dividends posted and compounded Monthly. 1Fees may reduce earnings. Please refer to the Fee Schedule and All in One Disclosure for complete details.

    Convenient tools that help you manage your money on the go:

    Manage Your Account

    Your checking account is loaded with tools like mobile wallet, mobile deposit and online bill payment.

    The best way to use your account is to set up direct deposit, so you can access your funds through a few taps on your smartphone or a quick swipe of your debit card!

    Convenient ways to manage your checking account

    • Setting up direct deposit or payroll deduction

      Please inform your employer's HR department and provide them with one of the following forms:

      Federal Direct Deposit   Regular Direct Deposit

      Include the following information on the form:

      1. SkyOne's routing number: 322077779
      2. The type of account (Savings, Checking, or Money Market) you'd like to have your paycheck go to.
      3. Your 13-digit checking account number: get it from iSky Online Banking. Here's how:

      Locate your 13-digit checking account number via iSky Online Banking

      Here's how to locate your MICR number after you've logged in

    • Transferring funds between your SkyOne accounts

      To transfer funds, log into iSky Online Banking and go to the Transfers page.

      • Between your own accounts
        Transfer funds between your checking and savings accounts, as well as make an instant payment on your loan or credit card. You can also make these one-time transfers on iSky Mobile.
      • Recurring transfers
        This is a great way to get into the habit of setting aside savings. Simply select a frequency that you prefer, and sit back and watch your savings grow!
      • Transferring funds to another member
        You can even transfer funds to another SkyOne member, such as your spouse or co-worker. All you need is their name and account number. Rest assured both you and your recipient's privacy is protected.

    • Transferring funds between your account at SkyOne and another financial institution

      It's easy (and FREE) with our External Transfer service. And, you only need to set up your external account once.

      To set up the transfer you'll need

      • Your account number at the other institution
      • The routing number of the other institution
      • Access to iSky® Online Banking

      Table data for

      External Transfer Limits

      If your accounts meets the following conditions You can transfer Alert Me
      • You don't have any loan or share charge-offs,
      • You don't have any loans delinquent for more than 30 days
      • Up to $10,000 into your SkyOne account per day
      • Up to $2,000 out of your SkyOne account per day

      A three-day hold applies to incoming transfers; the first $200 is available immediately.

      Meet both of the conditions above, plus...
      • You have an average aggregate daily share balance of $2,500 or more in the previous 3 months
      • You have an aggregated limit of $10,000 on your SkyOne VISA® Credit Card, SkyOne Line of Credit, or Home Equity Line of Credit
      Up to $15,000 into or out of your SkyOne account per day

      A three-day hold applies to incoming transfers; the first $200 is available immediately.

      Set up an External Transfer today

      To link an outside account to your SkyOne account, log into iSky Online Banking and go to the Transfers menu tab. Then click on External Transfers.

      1. Before you begin, you will need your account number and the routing number from your bank or credit union. You can find this at the bottom of your check.
      2. Once you have completed entering your account information, two micro deposits will be made to your outside account (it usually takes 1-2 business days for your outside financial institution to process this.)
      3. Once the trial credits are reflected on your outside account, log back into iSky, go to the External Transfer page and click on the "Verify" link. Enter the two amounts that were deposited, and your account is ready to make external transfers.

      Important note: You must be listed as the primary owner of all accounts to make a successful transfer.

      Set up external transfers

    • Managing your debit card

      Your Totally Free Checking Account comes with a SkyOne Visa Debit Card, which gives you access to thousands of businesses worldwide and surcharge-free cash withdrawals at 66,000+ ATMs nationwide.

      Customizing your Debit Card PIN

      For your security, your Debit Card PIN is always mailed separately from your Debit Card.

      Once you receive your PIN, look for the reference code inside the mailer and call 800.503.9249 from your primary phone. Then, follow a few simple prompts to customize your PIN.

    Overdraft Protection

    Put your mind at ease

    Your busy lifestyle means you don’t always have the time to balance your checkbook or monitor your account balances. That’s why we offer members Overdraft Protection— to help ensure you have access to funds when you need them most.

    • Set up Overdraft Protection

      In the event your checking account doesn't have enough funds to cover your purchase or withdrawals, Overdraft Protection pulls funds from one of the following accounts to cover the transaction.

      • Savings Account – limit of six per month  Why?
      • Money Market Account – limit of six per month  Why?
      • VISA Credit Card – subject to finance charges
      • SkyOne Line of Credit – subject to finance charges

      Set up Overdraft Protection today by contacting a Member Services Representative at 800.421.7111.

      For this convenience, there is a nominal charge of $2 for each overdraft transfer. Please refer to our All-in-One Disclosure for complete details.

    • Overdraft Privilege - an Added Layer of Coverage

      If your Overdraft Protection has been exhausted or if you haven't set it up, Overdraft Privilege* provides an additional layer of coverage.

      In the event your account balance goes below zero, we will pay your transactions so you have peace of mind knowing your purchases will go through uninterrupted. Enjoy no worries about the embarrassment and inconvenience of a returned item, as well as the fees merchants normally charge.

      Table data for

      What's Covered

      Automatically Covered You Must Request Coverage Alert Me
      Bill Payments
      Electronic Withdrawals
      Recurring Debit Card Purchases
      Teller Withdrawals
      One-Time Debit Card Purchases

      Extend Your Coverage

      ATM Withdrawals

      Extend Your Coverage


      What you need to know about our Overdraft Privilege program:

      • If you’ve set up a monthly direct deposit of $1,000 or more on your Checking account, the Overdraft Privilege limit is $1,000; if your monthly direct deposit is less than $1,000 or if you don’t have direct deposit, your Overdraft Privilege limit is $500.
      • If a transaction brings your account negative by $10 or less, the item will be paid at no charge.

      Extend Your Coverage for Peace of Mind

      You can enjoy even more coverage on ATM cash withdrawals and non-recurring debit card transactions, such as a visit to the doctor’s office or getting gas for your car. But, you must ask us to extend your coverage for these added conveniences.

      Extend Your Coverage

      Change your mind?
      You can cancel your Extended Overdraft Privilege Coverage at any time by either completing this form or by calling us at 800.421.7111.

      *Subject to eligibility. Overdraft Privilege eligibility requirements are as follows: 1) You must have an open Checking account and 2) be a member in “good standing”. A member is not in “good standing” with the Credit Union if they meet any of the following requirements:

      • The member fails to comply with the terms and conditions of any lawful obligations with Credit Union and/or causes, or can potentially cause the credit union a loss.
      • The member is thirty-one (31) days delinquent on any credit union loan.
      • The member has a share or checking account that is thirty-one (31) days overdrawn/zero balance.

      Minor accounts (under 18 years of age) do not qualify for Overdraft Privilege. We may not pay items under your overdraft privilege if you do not meet these eligibility requirements.  An overdrawn balance must be repaid within 30 days

      **Accounts will be charged the standard Overdraft Privilege fee of $30.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, debit card transaction, or other electronic item. A fee of $30.00 will be charged for insufficient funds items returned. The maximum amount of Non-Sufficient Funds/Overdraft fees that will be charged to a member’s account is $150.00 per day. There is no fee if a transaction or transactions bring the checking account balance negative by $10 or less.

      ***For complete details on our Overdraft Privilege Program, please refer to the Overdraft Privilege Disclosure and the Schedule of Service Charges. For complete information, please refer to our Discretionary Overdraft Privilege Disclosure.


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