QuickPay
BECAUSE THERE’S MORE TO YOU
Get QuickPay, the FREE1 checking account that’s anything but basic— because you deserve more for all that you do.
High-Yield Savings
Earn like a boss! Get up to 3.80% APY for cumulative direct deposits via ACH like payroll, pension or Social Security checks of $2,500 and above per month
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
Round-Up4
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!
Open your FREE QuickPay checking account with a minimum $20 Deposit today!1
Beyond Basic Banking Needs
There’s nothing basic about you or all the things you do. That’s why QuickPay provides features that make life easy– the way a FREE checking account should
- $20 Minimum Deposit Amount
- 3.80% APY
- Up to 2 days early Payday Benefit2
- Round-Up Bonus1
- $5/month swipe bonus4
- 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
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 age4
Assign repeating chores or one-off jobs for up to 5 kids and tie their allowance to it – or not. Giving rewards are made 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
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.
