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Advantage Checking Account

A better banking experience

A checking account that lets you earn dividends

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  • Smart features, great perks

    A SkyOne Advantage Checking Account not only lets you access your money, but earn on it, with dividends up to 0.05% APY.* All you need to do is maintain a balance of $2,500 — and in addition to earning dividends, we’ll also waive the $5 monthly fee.

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    • Free eStatements
    • Online and mobile banking
    • Mobile check deposit
    • Custom account alerts
    • Several options to waive the $5 monthly fee. To see how click here.

    66,000+ surcharge-free ATMs

    Access thousands of ATMs across the USA without ever paying a fee.

    Find an ATM

    Early paychecks

    Set up direct deposit, and we can send it to your savings account 1-2 days before your employer’s actual pay date.** Setting up direct deposit is quick and easy.

    Set Up Direct Deposit

    Dividends up to 0.05% APY*

    Don’t just let your money sit in a regular checking account, put it to work with Advantage Checking and earn dividends up to 0.05% APY. Simply maintain a minimum balance of $2,500 and you’ll start earning money without any effort on your part.

Always feel secure

Learn how to keep your money safe with these fraud prevention tips

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Questions? Talk to an expert. 800.421.7111


*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. Fees may reduce earnings on the account.


**You must have direct deposit on your account to enjoy this service. Early Arrival is based on the date that 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.


The Advantage Checking account has a monthly fee of $5. To avoid the monthly fee, members must meet at least one requirement, each month. To see the options you have available to waive the $5 monthly fee, click here.

Important Fraud Messaging Alert:

Fraudulent texts messages and calls impersonating SkyOne are increasing. Do NOT share any information. Beware of scammers! click here to learn more about spoofing scams.