PLATINUMPAY

PlatinumPay adds family perks

Everything you love about QuickPay, plus built-in protections, discounts, and dividends that give your household extra peace of mind.

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Early Payday

Checking Accounts

Forget payday loans! Get your paycheck up to 2 days early2 with direct deposit of your payroll into your SkyOne account.

FREE Greenlight

Greenlight Logo

Easily manage allowances and rewards with the Greenlight mobile app—plus, get a free debit card for up to five kids.

Perk Central

3.10% APY*

Earn like a boss! Get up to 3.10% APY on your Perks Central Account for cumulative direct deposits of $2,500 and above per month via ACH like payroll or pension to any SkyOne account.

Club Benefits

Club Benefits Icon

Enjoy elite status with extra protection, security and other exclusive benefits for you and your family at no additional cost.

PlatinumPay Benefits

  • $20 Minimum Deposit Amount
  • Up to 2 days early Payday Benefit2
  • Instant money transfers with Zelle1
  • Earn Dividends: Grow your balance with a 0.05% APY on deposits of $2,500 or more
  • ATM Fee Reversals: Get up to 4 non-SkyOne ATM fees reversed each month
  • 24/7 Online and Mobile Banking
  • Convenient mobile deposit feature
  • 66,000+ No-Fee ATMS Nationwide
  • Always accessible Visa debit card
  • Notary and Cashier’s Check Perks: Save on notary services and cashier’s checks every month.

Save over $200/month
on individual subscription services with EXCLUSIVE CLUB CHECKING BENEFITS5 for you and your family – at no extra cost

  • ID Protect identity theft monitoring and resolution service up to $10,000 expense reimbursement+,6,7,8
  • Telehealth access to 24/7 phone or video visits to licensed doctors for you and your family with zero copays+,10
  • Roadside Assistance Service 24-hour coverage for roadside services like towing, fuel/oil/battery delivery, lockout, etc. worth $200 annually9
  • Cell Phone Protection up to 2 claims and a maximum of $1,200 per 12-month period9,11
  • AD&D Insurance protection from the unexpected up to $10,000 9,11

Open your PlatinumPay checking account1 with a minimum $20 deposit today.

Open a PlatinumPay Account

Unlock amazing perks with a $2,500 cumulative direct deposit

High APY*

3.20% APY*

Maximize your earning capability with a 3.20% APY for deposits up to $100,000 on your Perk Central account

Swipe Bonus

$5.00/MONTH*

Get extra $5/month for simply swiping your debit card 25 times – the way you already do

Round-Up Bonus

Round Up Icon

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!

Watch how Round-Up adds up

Round-Up Savings Preview
Tap purchases to see spare change move into savings.
Purchases (tap to apply) 0 / 8 applied
This is a preview demo with sample transactions.
Savings Jar
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saved today
Today
$0.00
Est. Month*
$0.00
Est. Year*
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*Estimated using the same “tap pattern” repeated over time (for demo only).
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Checking Rates

Rates effective as of

QuickPay 0.00% 0.00% APY*
UltraPay 1.00% 1.00% APY*
PlatinumPay 0.05% 0.05% APY*

Rate Information Rates and terms are effective as of 08/05/2024 and are variable, subject to change after account opening without notice. Rate information is available at skyone.org/rates. You must maintain a minimum average daily balance of $2,500 to earn dividends. Dividend Information Dividends are compounded and credited monthly. Fees may reduce earnings on the account. Minimum Balance to Open $20.00. Monthly Service Fee A monthly service fee applies. Refer to the Schedule of Service Charges for details. Ways to Avoid the Monthly Service Fee The monthly service fee is waived when an average daily balance of $10,000 or more is maintained during the monthly statement period. Transaction Limitations None apply. Other Fees Additional fees may apply. See the Schedule of Service Charges. Electronic Services SkyOne VISA® Debit Cards are issued upon account approval. Online and mobile banking enrollment is required separately. Eligibility PlatinumPay is available to U.S. residents age 18 or older with a valid Social Security Number. Certain account types are not eligible, including minors, custodial accounts, trusts, estates, and representative payee accounts. Account Transfer Policy If the monthly fee cannot be collected for two consecutive months, the account will automatically convert to a QuickPay account at the beginning of the third month. The account number will remain unchanged. ATM Fee Reimbursement Up to four (4) ATM fees per month are reimbursed, with a maximum reimbursement of $3.00 per transaction. Reimbursements are credited on the first business day of the following month. Zelle® A U.S. checking or savings account is required. Transfers between enrolled users typically occur within minutes and generally do not incur fees. Early Payday Direct deposit required. Timing depends on employer submission and ACH processing and is not guaranteed. Round Up Program If enrolled, debit card purchases are rounded up and transferred daily to your Perk Central Savings account. Program terms, limitations, opt‑out rights, and modification rights apply as described in the QuickPay disclosure above.

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 12/31/2025. Offer subject to change or renewal.

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


Perk Central:

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.

Member in Good Standing: You must be a member in good standing to enroll in Paycheck Perks (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.

APY=Annual Percentage Yield. The 4.00% APY is an introductory rate available on new QuickPay and Perk Central accounts and applies to the Perk Central Account. Rates and terms are accurate as of 04/01/2026 and are subject to change after account opening without notice. A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY.

For the first five (5) months from account opening, there is no balance cap on funds eligible to earn the 4.00% introductory APY. After the introductory period, the current 3.10% APY will apply to balances between $0.00 – $100,000, and amounts above $100,000 will earn the Regular Savings account APY as disclosed on the current rates page. Existing members with an active Perk Central account earn the current APY, which is 3.10% for qualifying balances. The post-introductory APY is variable and may change at any time. Please refer to our Rates page for current rates.

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 are paid to the Perk Central account using the average daily balance method.


Enrollment is required unless otherwise stated.

APY Information
APY = Annual Percentage Yield.
The 4.00% APY is an introductory rate applicable to the Perk Central Savings account for eligible members.

Rates and terms are accurate as of 04/01/2026
Rates are variable and may change after account opening without notice

A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY

Fees may reduce earnings

Introductory Period
For the first five (5) months, there is no balance cap on funds eligible to earn the introductory APY.

After the introductory period:

  • 3.10% APY applies to balances from $0.00–$100,000
  • Balances above $100,000 earn the Regular Savings APY
  • Existing Perk Central members earn the current APY, subject to change
  • Members with cumulative monthly direct deposits between $0.00–$2,499.99 earn 0.05% APY.

Dividend Calculation Method
Dividends are calculated using the average daily balance method and credited monthly.

Swipe Bonus
With at least 25 debit card purchases of $1 or more per month, a $5 credit will be deposited to Perk Central. Excludes PIN transactions. Subject to modification or cancellation without notice.

Member in Good Standing
Eligibility requires the member to be in good standing. Fees may reduce earnings. See the Fee Schedule and All‑in‑One Disclosure for details.