PlatinumPay
BECAUSE THERE’S MORE TO YOU
Get the checking account that helps make “more” happen for you and your family. Discover what’s possible with your PlatinumPay1 checking account.
Early Payday
Forget payday loans! Get your paycheck up to 2 days early2 with direct deposit of your payroll into your SkyOne account
FREE Greenlight3
Make managing allowances and rewards chart easy with the Greenlight mobile app and free debit card for up to 5 kids
Paycheck Perks4
Earn like a boss! Get up to 3.80% APY on your Perks Central Account for cumulative direct deposits of $2,500 and above per month via ACH like payroll or pension to any SkyOne account.
Club Benefits3
Enjoy elite status with extra protection, security and other exclusive benefits for you and your family at no additional cost.
Make “MORE” Happen Everyday
PlatinumPay combines convenient banking features with premium benefits that help your family thrive.
- $20 Minimum Deposit Amount
- Up to 2 days early Payday Benefit2
- Instant money transfers with Zelle1
- Earn Dividends: Grow your balance with a 0.05% APY on deposits of $2,500 or more
- ATM Fee Reversals: Get up to 4 non-SkyOne ATM fees reversed each month
- 24/7 Online and Mobile Banking
- Convenient mobile deposit feature
- 66,000+ No-Fee ATMS Nationwide
- Always accessible Visa debit card
- Notary and Cashier’s Check Perks: Save on notary services and cashier’s checks every month.
Plus, FREE Greenlight3 makes juggling kid’s chores and allowances stress-free
Chores
Assign repeating chores or one-off jobs for up to 5 kids and tie their allowance to it — or not. Giving rewards just got easier.
Allowances
Set budgeting on auto-pilot 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 2% APY on your Greenlight savings account
Account Maintenance Fee: $8.95/month, waived with $10,000 on deposit.
Ready to get your Perks on?2
Simply open a Quick Pay checking account and opt-in to Paycheck Perks. It’s that easy!
High-Yield Savings
Earn like a boss! Get up to 3.80% APY for direct deposits via ACH like payroll, pension or Social Security checks of $2,500 and above per month.
Swipe Bonus1
Get an extra $5 in your account when you tap or swipe your debit card at least 25 times in a month… just because we like you! (non-PIN transactions)
Round-Up Bonus2
Round up your debit card purchases into the nearest dollar and watch your change grow into savings. That next coffee run could turn into a family trip!
Save over $200/month on individual subscription services with EXCLUSIVE CLUB CHECKING BENEFITS5 for you and your family – at no extra cost
- ID Protect identity theft monitoring and resolution service up to $10,000 expense reimbursement+,6,7,8
- Telehealth access to 24/7 phone or video visits to licensed doctors for you and your family with zero copays+,10
- Roadside Assistance Service 24-hour coverage for roadside services like towing, fuel/oil/battery delivery, lockout, etc. worth $200 annually9
- Cell Phone Protection up to 2 claims and a maximum of $1,200 per 12-month period9,11
- AD&D Insurance protection from the unexpected up to $10,000 9,11
Find out more Club Checking benefits here
Disclosure
Membership required.
1QuickPay
Minimum Balance Requirements: The minimum balance required to open this account is $20.00.
Transaction Limitations: No transaction limitations apply to this account.
Other Fees That May Apply: Refer to the Schedule of Service Charges.
Electronic Services: Upon approval of a request for a QuickPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA® Debit Card. Separate registration is required for online and mobile banking access at www.skyone.org.
Round Up: We round up the amount of any debit card purchase to the next whole dollar and transfer the difference from your checking account to your Perk Central account at day-end. If insufficient funds exist, no transfer occurs. Reversed or returned purchases refund only the original debit amount (round ups are not reversed). Round Up may be modified or canceled at any time without notice and is unavailable for business debit cards. Opt out anytime by contacting us at 800.421.7111, live chat at www.skyone.org, or email memberservices@skyone.org.
*APY = Annual Percentage Yield. SkyOne rates and terms are accurate as of 03/17/2025 and are subject to change after the account is opened without notice. Rates are effective as of the last dividend declaration date. The minimum cumulative monthly direct deposit required to earn dividends is $0.00–$2,499.99 to earn 0.05% APY and $2,500.00 and above to earn 3.80% APY.
Dividends will be paid to the Perk Central account at the disclosed rate and APY. A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited through the Automated Clearing House (ACH) network to any share account (suffix) within the same account to obtain the disclosed APY. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM do not qualify. During any month without a deposit of $2,500 or more, the dividend rate and APY will default to the Regular Savings Account APY disclosed on the current rate sheet. While there is no maximum balance limit in the Perk Central account, accounts that qualify for the maximum dividend rate will receive that rate for up to $100,000 in deposits. Deposits above $100,000 will receive the Regular Savings Account APY disclosed on the current rate sheet.
Average Daily Balance Computation Method: Dividends are calculated using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The period used is the monthly dividend period.
Compounding and Crediting: Dividends will be compounded monthly and credited to your account on the last day of each month.
2You must have direct deposit on your account to enjoy this service. Early arrival is based on the date your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences and may be affected by the Same Day ACH Rule.
3SkyOne 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 verification. Upgrades will result in additional fees. Plan starts 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.
4Paycheck Perks Swipe Bonus: You must have direct deposit on your account to enjoy this service. If you make at least 25 debit card point-of-sale purchases (excluding PIN-based transactions) of at least $1 each per month, you will receive $5.00 credited to your Perk Central account. We reserve the right to cancel or modify this bonus at any time without prior notice. Not available for business debit cards.
Member in Good Standing: You must be a member in good standing (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.
