WELCOME TO SKYONE

Our current Overdraft fee is $30.

SmartPay Account: APY=Annual Percentage Yield. SmartPay earns 1.00% Annual Percentage Yield (APY). Rates are variable and may change after account opening without notice. View our most current rates here. APY accurate as of October 23, 2026. Dividend Information: Dividends wil be credited monthly. Fees may reduce earnings on the account. Balance Computation Method: Dividends are calculated by the average daily balance method, which applies to a periodic rate to the average daily balance in the account for the period. Accrual of Dividends: Dividends will begin to accrue on the effective business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business. Minimum Balance Requirements: The minimum balance required to open this account is $20.00. Monthly Service Fee: A $4.95 monthly maintenance fee applies to the SmartPay account. This fee is not waivable. Fees may reduce earnings on the account. Additional fees may apply. Refer to the Schedule of Services Charges for a complete listing of fees. Transaction Limitations: No transaction limitations apply to this account. Electronic Services: Upon approval of a request for a SmartPay 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. Overdraft Privilege Services Overdraft services are subject to eligibility requirements.

• Overdraft Privilege Fee: Refer to Schedule of Service Charges
• SmartPay account holders may receive
  • One (1) overdraft privilege fee waiver every six (6) months
  • Maximum of two (2) waived overdraft privilege fees per every twelve (12) months.

Additional overdrafts may be paid and subject to fees. Skip-A-Pay Skip-A-Pay service is subject to eligibility requirements and are available on eligible loans only.

• Skip-A-Pay Fee: Refer to Schedule of Services Charges
• SmartPay account holders may receive a maximum of one (1) Skip-A-Pay fee waiver every twelve (12) months. Additional Skip-A-Pay requests may be available on eligible loans but will be subject to the applicable Skip-A-Pay fee.

Additional terms, conditions, and restrictions may apply. For full terms and conditions visit Terms and Conditions.

Greenlight®:

SkyOne 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 identity verification. Upgrades will result in additional fees. Plans start at $5.99/mo. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 12/31/2026. Offer subject to change or renewal.

Card images shown are illustrative and may vary from the card you receive.

Paycheck Perks Program:

You must opt in to Paycheck Perks to receive any of the current and future benefits of Paycheck Perks.

Swipe Bonus
To be eligible for the swipe bonus, you must have a payment/checking account with a debit card. A minimum cumulative direct deposit of $2,500 in your account(s) is required to activate the swipe bonus. 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. The swipe bonus will be credited to the payment/checking account attached to your debit card. To qualify for the Paycheck Perks Swipe Bonus, you must be eligible for a checking account and debit card. We reserve the right to cancel or modify the Paycheck Perks Swipe Bonus program at any time without prior notice. Additionally, the Paycheck Perks Swipe Bonus is not available for business debit cards.