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Totally Free Checking

Keep it simple

Checking with everything you need and nothing you don't.

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  • Fee-free checking

    Totally Free Checking keeps things worry-free, with no monthly fees or balance requirements.

    • Free eStatements
    • Online and mobile banking
    • Mobile check deposit
    • Custom account alerts

    66,000+ surcharge-free ATMs

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


    Find an ATM

    Early paychecks

    Sign up for direct deposit, and we’ll send your paycheck to your account 1-2 days before your employer’s actual pay date*.

    (Please note the date depends on when your employer sends funds to SkyOne.)

  • Frequently Asked Questions

Never feel embarrassed

Avoid fees and potential embarrassment by setting up Overdraft Protection on your Totally Free Checking account. Simply give us a call to opt in.

Contact Us

Questions? Talk to an expert. 800.421.7111


*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.