Review, Sign and Submit


You understand and agree that this membership application shall govern any and all accounts (“Accounts”) opened whether now or in the future. You further certify that this account will NOT be utilized for business purposes.

You authorize SkyOne to gather credit, checking account and employment information we consider appropriate from time to time. You understand that this will assist us in determining your initial and ongoing eligibility for your accounts and related services and/or in connection with making future credit opportunities, such as pre-approved offers, available to you. Furthermore, you authorize us to give information concerning our experiences with you to others. You understand that a negative credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your Account obligations. You agree that you may retain this membership application as well as all other information you receive.

Tax Identification Number
The Taxpayer Identification Number (TIN) provided under the primary member information section must match the name provided to Social Security Administration to avoid backup withholding.

Tax Certification
Under penalties of perjury, you certify that:

  • The number shown on this form is your correct taxpayer identification number (or you are waiting for a number to be issued to you); and
  • Unless you disclosed otherwise during the application process, you are not subject to backup withholding because: (a) you are an exempt from backup withholding, or (b) you have not been notified by the Internal Revenue Service (IRS) that you are subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified you that you are no longer subject to backup withholding; and
  • You are a U.S. citizen or other U.S. person.

eSign Act Consent and Disclosure |eCommunication Consent |Schedule of Fees 


In this Online Services E-SIGN Act Consent and Disclosure the terms “you”, “your” and “yours” each mean the SkyOne Federal Credit Union Account Owner, authorized signer and/or authorized user. The terms “we”, “us”, “our”, “ours”, and “SkyOne” each refer to and mean SkyOne Federal Credit Union.

This Online Services E-SIGN Act Consent and Disclosure provides important information required by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act) and applies to your consent to and your request for the electronic delivery of all Communications for and
relating to your membership and the accounts, products and services offered and/or accessible through SkyOne Federal Credit Union’s online services, including iSky Online Banking, the e-Statements, External Transfer, iSky P2P, iSky Bill Payment, and Remote Deposit Capture (Mobile Deposit) Service, as well as access to those online services via our Mobile Banking Application (“App”).

“Communication(s)” means: all agreements and disclosures and any and all amendments thereto, as permitted by law; product, service, and fee change in terms notices; annual and other periodic notices required by federal and/or state law or regulation; periodic account statements, credit card statements, tax statements, transaction history and information; and other notices, such as insufficient funds notices, billing notices, and alerts.

NOTE: Consenting to receive Communications under this Online Services E-SIGN Act Consent and Disclosure will not automatically enroll you in the e-Statement Service or result in the automatic electronic delivery of periodic account statements and/or credit card statements.

By agreeing to the agreements and disclosures, you affirmatively consent to conduct business electronically with SkyOne Federal Credit Union in connection with SkyOne online services and your requests for related accounts, products and services, and to receive this E-SIGN Act Consent and Disclosure and the All-in-One Disclosure electronically.

This Online Services E-SIGN Act Consent and Disclosure, the All-in-One Agreement, and all other online services agreements and disclosures can be printed and/or downloaded by you, and are available to you in paper hardcopy upon request. Please read these agreements and disclosures prior to continuing with your enrollment in Online Banking.

If after you register for Online Banking you enroll in e-Statements, External Transfers, iSky Bill Payment, Remote Deposit Capture (Mobile Deposit) Service, or any other service, your consent provided under this Online Services E-SIGN Act Consent and Disclosure will also apply to the electronic delivery of the related agreements and disclosures and all other Communications.

Applicability of Consent - Your electronic consent to conduct business electronically applies to SkyOne Federal Credit Union’s online services, your request for accounts, and all related products and services you request or utilize, and the electronic delivery of Communications.

Email Address and Keeping Your Information Current - In order to communicate with you regarding your online services, new account(s) and all related products and services you request or utilize, and to deliver to you or notify you of Communications, you must provide us with your valid e-mail address. It is your responsibility to promptly notify SkyOne Federal Credit Union of any changes to your email address. You can update your email address with us by either calling us at 800.421.7111, or updating your personal information email address via iSky Online Banking, or by submitting your change to us in writing via mail to SkyOne, P.O. Box 5003, Hawthorne, CA 90251-9801, or by visiting one or our branches.

Print and Download Agreements and Disclosures -
Most information on and within our website and via online services is provided in either HTML and/or PDF format. For those agreements, disclosures, forms, notices, and other documents provided/available in PDF format, Adobe Acrobat Reader 6.0 or later versions is required - A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at

To print or download agreements and disclosures and other documents you must have a printer connected to your computer or have sufficient hard-drive space (approximately 1 MB) on your computer to download, store and view the information.

To print, click on the document HTML or PDF link, select Print, select your Printer, and click OK to print to your printer where the document can be printed on your own paper, or select Save or Save As to save and retain an electronic copy on your computer.

Hardware and Software Requirements - You must have access to a computer with browser software such as Microsoft Internet Explorer; Adobe Acrobat Reader; Internet access, and an active/operating email address (at your cost). Your computer needs to support the following requirements:

  • An operating system, such as:
    • Windows 10 or
    • Macintosh OS 10.x
  • Access to the Internet and an Internet browser which supports HTML 5.0, 128bit SSL encryption, JavaScript, and cookies, such as:
    • For PCs
      • Microsoft Internet Explorer 11.0 and above
      • Google Chrome version 65 and above
      • MS Edge
      • Firefox version 60 and above
      • Safari version 10 and above
    • For Macintosh
      • Safari 10, 11, and above
      • Google Chrome 68 and above
      • Firefox 61 and above

Other Internet browsers may be used, but are not supported.
By affirmatively consenting, you confirm that you have access to the necessary hardware and software.

All Agreements and Disclosures Are “In Writing” - This Online Services E-SIGN Act Consent and Disclosure and all agreements, disclosures and notices delivered electronically or otherwise made available to you are considered “in writing” and are available to you in a form you may keep by either printing or downloading the documents, or by requesting a paper copy from us.

Obtaining Paper Copies of Agreements and Disclosures – You can obtain a paper copy of this Online Services E-SIGN Act Consent and Disclosure and the above listed agreements and disclosures by printing it/them yourself. You can also contact us at 800-328-5328 to request a paper copy free of cost when sent by us to you through regular U.S. mail.

Termination - We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Withdrawing Consent – You have the right to withdraw your electronic consent to conduct business electronically with us by telephoning us at 800-328-5328, by sending your instructions to us via U.S. mail to SkyOne Federal Credit Union, P.O. Box 5003, Hawthorne, CA 90251-9801, or by visiting one of our branches. If you withdraw your consent you may not be able to open additional accounts or request additional products and services online, or view or print/download this or the above listed agreements and disclosures through our website.

Governing Law - This Online Services E-SIGN Act Consent and Disclosure is made in California and shall be governed by the laws of the State of California, to the extent that California law is not inconsistent with controlling Federal Law. California’s “Choice of Rules” will not be applied if they would result in the application of non-California law.

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eCommunication Consent - eSignature and Electronic Disclosures Agreement

This E-Signature and Electronic Disclosures Agreement ("E-Sign Agreement") applies to all communications, documents, disclosures and electronic signatures related to the products, services and accounts offered or accessible through the SkyOne Federal Credit Union online application process for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, as applicable.

Agreement to Conduct Transactions by Electronic Means

You agree to conduct transactions offered through the SkyOne Federal Credit Union online application process by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a web-based electronic interface or email. In addition, you authorize SkyOne Federal Credit Union to access credit reports (where applicable) and related information for all applicants in order to process this application. You further agree that all transactions completed through SkyOne Federal Credit Union online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online.

Agreement to Use Electronic Signatures

You specifically agree that any electronic signatures that you provide through the SkyOne Federal Credit Union online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen or commonly known as a “wet signature.”

Agreement to Receive Disclosures Electronically

You agree to receive all legal and regulatory disclosures and other communications associated with any of the applications or transactions available through the SkyOne Federal Credit Union online application process through electronic means including this web-based electronic interface and email.

Availability of Printed Copies

You may obtain printed copies of any of the agreements, disclosures or other related documents by signing into your account, downloading the documents and printing them from your computer or by calling member service and requesting printed copies.  Alternatively, you can save any of the agreements, disclosures or other related documents by signing into your account, downloading and saving them on your computer. 

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Schedule of Fees

Table data for Schedule of Service Charges
 Rates Effective 02-05-2015
Savings & Checking Alert Me

Overdraft Transfer


Teller Checks Payable to Third Party


Non-Sufficient Funds–Overdraft



Non-Sufficient Funds–Returned


Returned Items Unpaid


Money Market (less than $2,500 Average Daily Balance)


Premier-Service Checking (less than $2,500 ADB or less than $10,000 monthly aggregate average daily deposit balance)


Stop Payment for ACH, Bill Pay, and Check (A single fee will be assessed for multiple checks in consecutive order.)


Loans & Visa® Alert Me

Visa Late Payment

$25 for the first violation, $30 for the next violation(s) during the next 6 monthly billing cycles

Loan Late Payment

5% of payment or $30, whichever is greater*

Loan Payment by Phone


Skip a Loan Payment (Per Loan)


Real Estate Loan Re-Conveyance


Real Estate Demand Preparation


Visa International Service Assessment Fee2

•   Single Currency Transaction – 0.8% of transaction

•   Multiple Currency Transaction – 1.0% of transaction

Miscellaneous Alert Me

Outgoing Wire Transfer


Legal Attachments, levies, garnishments


Express Delivery


Subpoena Research

$35/hour – 1 hour minimum

1Assessed for items paid when funds are insufficient. 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 our Discretionary Overdraft Privilege Disclosure.
2A single currency transaction fee is imposed on all international transactions that do not require a currency conversion; and a multi-currency transaction fee is assessed for international transactions that require a currency conversion. Applies to Visa Credit and Visa Check Card transactions.

Note: Members 21 and under will not be subject to the Minimum Balance Service Charge on Premier-Service Checking.

Table data for Shared Branch Schedule of Charges
 Rates Effective 05-26-2019
Withdrawals Alert Me

Check Withdrawal



Alert Me

First 1 – 10 Check Deposits


11 or More Checks

$0.17 per check

Other Services

Alert Me

Fax Request (First Page)


Each Additional Page


Money Order


Travelers Cheque

1% of face value

Dual Signature

1.5% of face value



Indemnification Agreement



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