Spend Smarter and Save More
SkyPoint Thrive student banking is here to make it simple.
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The Right Tools for School
SkyPoint has a full slate of tools to help you manage your finances during your school years.
No minimums or monthly fees. Only $5 to open.
Keep up-to-date on your balances and more.
Build your credit as a young adult.
Banking for the School Years Has Never Been Easier
Here’s how students use SkyPoint
A checking account is a great way to spend money easier with a debit card or pay your friends from the app!
- Spend smart and contactless with a free SkyPoint Visa Debit Card
- Deposit checks from your phone
- Instantly transfer funds anywhere
A Thrive Savings account will get you started with as little as $5.
- Open for only $5
- No minimums or monthly fees
- Get access to SkyPoint’s mobile app
Get up-to-date balances, deposit checks, and pay your friends back – all from SkyPoint’s mobile app.
- Pay your friends back wih peer-to-peer payments
- Turn your debit or credit card off if you lose it
- Track your spending and budget
- Keep track of your credit score for after graduation
Get the money you need for school.
- For students attending degree-granting institutions
- Lock in with competitive rates
- No prepayment penalty
When you need more flexibility for spending, a Visa Platinum Secured Credit Card is a great fit.
- Helps you build your credit score
- Credit line secured by funds in your SkyPoint Thrive Savings account
- No monthly fees
Learn all of the things about finances that they won’t teach you during class.
- Learn how to budget and save for a big senior trip or a car downpayment
- Get your credit score ready for after graduation
- Taxes!? Teagm you’ll have to do them some day. Learn what goes into them and be prepared.
Savings rates
| Product | Rate* | APY** |
|---|---|---|
| Regular Savings 1 | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
| Summer Savings | 0.05% | 0.05% |
| Holiday Savings | 0.05% | 0.05% |
Open in 3 easy steps
Get Started Today!
Open your Thrive Checking or Savings account in minutes!
1 Members with only a Regular Savings are subject to a minimum balance requirement. Failure to meet this requirement may result in a fee. Please refer to the Service Charge Schedule for more information. Limit of one Regular Savings per membership.
* Rate = Dividend Rate.
** APY=Annual percentage yield. Rates are subject to change without notice at any time. The stated APY is accurate as of 10/29/25. Fees may reduce earnings.
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