*QuickPay Disclosure
Rate Information This is a non‑interest‑bearing account. No dividends are paid on this account. Minimum Balance Requirements The minimum balance required to open this account is $20.00. Monthly Service Fee There is no monthly service fee for this account. Transaction Limitations There are no transaction limitations applicable to this account. Other Fees Other fees may apply. Please refer to the Schedule of Service Charges for complete details. Electronic Services Upon approval, the Credit Union will issue SkyOne ATM/VISA® Debit Cards to the member and any joint owner(s). Separate enrollment is required for online and mobile banking services at skyone.org. Round Up Program When enrolled, debit card purchases are rounded up to the next whole dollar. The rounded‑up amount is transferred at the end of the day from your QuickPay account to your Perk Central Savings account, or to your Primary Savings account if Perk Central is not available.

• If sufficient funds are not available, no transfer will be made.
• Returned or reversed purchases will refund only the original debit amount; round‑up transfers are not reversed.
• Round Up is not available for business debit cards.

Program Changes

• Effective September 22, 2025, Round Up will be automatically included for new QuickPay accounts.
• Effective October 23, 2025, Round Up will apply to all existing QuickPay accounts.

The Credit Union may modify or discontinue this program at any time without notice. You may opt out at any time by calling 800.421.7111, using live chat, or emailing memberservices@skyone.org. Early Payday Direct deposit is required. Early availability of funds depends on when your employer submits payment and may be affected by holidays or ACH processing rules. Timing is not guaranteed.

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**PlatinumPay Disclosure

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.

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***Greenlight Disclosure

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.

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****Paycheck Perks Disclosure

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.