QuickPay
FREE. EASY.
FAMILY-READY
Get QuickPay, the FREE1 checking account that combines the ease of managing everyday finances with perks that help your family do so much more.
No Monthly Fees
Being able to waive monthly fees is good – but FREE1 is even better. One less thing to think about during your busy days.
Early Payday
Forget payday loans! Get your paycheck up to 2 days early2 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!
FREE Greenlight3
Make managing allowances and rewards chart easy with the Greenlight mobile app and free debit card for up to 5 kids.
Open your FREE QuickPay checking account1 with a minimum $20 deposit today.
Beyond Basic Banking Needs
Easy daily money management meets real-life family needs – all, in one FREE checking account.
- $0 Monthly Service Fee
- $20 Minimum Deposit Amount
- Round Up Feature
- Up to 2 days early Payday Benefit2
- Instant money transfers with Zelle1
- Always accessible Visa debit card
- 24/7 Online and Mobile Banking
- Convenient mobile deposit feature
- 66,000+ No-Fee ATMS Nationwide
Unlock amazing perks with a $2,500 cumulative direct deposit
High APY*
Maximize your earning capability with a 3.65% APY for deposits up to $100,000 on your Perk Central account
Swipe Bonus4
Get extra $5/month for simply swiping your debit card 25 times – the way you already do
SkyOne Families Enjoy FREE Greenlight Money App3
Make juggling chores and allowances stress-free while teaching your kids to be money-smart at an early age
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.
Set budgeting on autopilot by choosing your payout frequency, and setting limits on how much your kid can spend on a category.
Set money goals in the app with your kids and teens to show them it pays to save. Enjoy 2% APY on your savings.
Disclosure
Membership required.
1QuickPay
Rate Information: This is non-interest bearing account.
Minimum Balance Requirements: The minimum balance required to open this account is $20.00
Monthly Service Fee: $0.00
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 (if available) or to your Primary Savings 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).
Effective September 22, 2025, new QuickPay accounts will have Round Up feature bundled into the account and the round up amount will be transferred to your Perk Central account at day-end.
Effective October 23, 2025, Round Up will be implemented across all existing QuickPay accounts. Members without an active Perk Central account will receive the round up transfers in their Primary Savings account. The Round Up status for existing members with an active Perk Central account will remain unchanged.
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, email memberservices@skyone.org or through this link.
2Early Payday: You 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.
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.
4Paycheck Perks
Enrollment required. Paycheck Perks program is only available when you have an open and active SkyOne Pay Account (QuickPay or PlatinumPay). Direct deposits may be made to any share account within the membership, but all perks—including the high-yield rate and cash-back rewards are credited to a special savings account called Perk Central, which will be opened upon enrollment to the program. New members opening a QuickPay account beginning September 22, 2025 do not require enrollment.
*APY = Annual Percentage Yield. This rate applies to the Perk Central Account. 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. $2,500 is the minimum cumulative monthly direct deposit required to earn dividends at 3.65% APY for balances between $0.00 – $100,000. Deposits above $100,000 will receive the Regular Savings account APY disclosed on the current rate sheet. 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 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 Saving 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.
Paycheck Perks Swipe Bonus: A minimum cumulative direct deposit of $2,500 on your account(s) is required to enjoy this service. If you make at least 25 debit card point-of-sale purchases of at least $1 each per month (combined, for joint account holders), excluding PIN-based transactions, $5.00 will be 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.
