{"id":20,"date":"2021-04-26T14:40:20","date_gmt":"2021-04-26T14:40:20","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarearoot\/resources\/faqs"},"modified":"2026-03-27T17:30:32","modified_gmt":"2026-03-27T21:30:32","slug":"faqs","status":"publish","type":"page","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/resources\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\n

FAQs<\/h2>\n\n\n
\"raising<\/figure><\/div><\/div><\/div><\/div>\n\n
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Bill Pay Service<\/a><\/div><\/div><\/div><\/div>\n\n
Credit Union<\/a><\/div><\/div><\/div><\/div>\n\n
Membership<\/a><\/div><\/div><\/div><\/div>\n\n
Mobile App<\/a><\/div><\/div><\/div><\/div>\n\n
Security Tips<\/a><\/div><\/div><\/div><\/div>\n\n
Touch ID<\/a><\/div><\/div><\/div><\/div>\n\n
Wire Transfer<\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

Bill Pay Service FAQs<\/h2>\n

Is it possible to schedule recurring payments?<\/span><\/a><\/h3>
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Yes. You can schedule weekly, semi-monthly and monthly recurring payments.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

How do I register for Bill Pay?<\/span><\/a><\/h3>
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Bill Payment registration is easy! The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?<\/span><\/a><\/h3>
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When you update the information for the bill payment account, the changes are implemented virtually instantaneously.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

Can I use electronic bill payment with all my accounts?<\/span><\/a><\/h3>
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No, only checking accounts can be used for bill payment purposes.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

When can I start using Bill Pay?<\/span><\/a><\/h3>
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You can begin using Bill Payment once you have received your email notification of availability.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

When is bill payment available?<\/span><\/a><\/h3>
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You can schedule payments 24 hours a day, seven days a week.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

How do I add new payees?<\/span><\/a><\/h3>
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You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

Can bill payment be used when I am out of the country?<\/span><\/a><\/h3>
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Bill pay provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Online Banking with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

Who can be paid using the Bill Pay?<\/span><\/a><\/h3>
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Anyone in the United States who can accept a check can be paid using Bill Pay. You can pay charge accounts, utilities, auto loans, professionals, even lawn services and relatives. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

Can I pay my bills on the weekend?<\/span><\/a><\/h3>
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Although you can set up your payments during the weekend, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. Payments scheduled for the weekend are always processed on the Friday before. If you set a payment to go out on a Saturday, it wont begin processing untill the following Monday.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

If I make an error in selecting an payee and it results in a late fee, am I responsible for the charges?<\/span><\/a><\/h3>
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If you select a payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

How do I place a ‘stop payment’ on a bill payment?<\/span><\/a><\/h3>
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A payment may be edited or deleted anytime before the “process date.” Stop payments made after the process date are still possible but may be subject to a fee.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

Credit Union FAQs<\/h2>\n

Are my deposit accounts NCUA insured?<\/span><\/a><\/h3>
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Yes, each individual member’s account is insured by the NCUA up to $250,000 per account.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

How do I set up Direct Deposit of my payroll check?<\/span><\/a><\/h3>
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If your employer participates in a direct deposit program, provide our routing number, 255077891 and your account number to your human resources or payroll department. Direct deposit will usually begin two pay periods later.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

How frequently is my information updated?<\/span><\/a><\/h3>
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Your account information is updated virtually instantly with each transaction that is posted to your account. However, availability of your funds may vary depending on where our transaction was done.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

Membership FAQs<\/h2>\n

What are the benefits of Credit Union membership?<\/span><\/a><\/h3>
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Credit Unions offer similar services to banks, however they are non-profit. As such member fees and loan interest rates are typically lower.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

How can I become a member?<\/span><\/a><\/h3>
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To become a member, simply check your eligibility. If you or any family member is associated with any of the eligible organizations, you are eligible<\/u><\/a> to join the Credit Union.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

Are members of my family eligible to join?<\/span><\/a><\/h3>
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Yes, any member of your family or household is eligible to become a member of SkyPoint Federal Credit Union if you are a member.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

What do I have to do to join the Credit Union?<\/span><\/a><\/h3>
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Once you have determined that you are eligible<\/u><\/a> to join SkyPoint, apply online to open a Savings account with a minimum initial deposit of $5.00 ($5.00 must be maintained in this account at all times). Once opened, you are able to open or apply for all other credit union services.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

Mobile App FAQs<\/h2>\n

Where can I download the mobile app?<\/span><\/a><\/h3>
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You can download our mobile app from your devices app store, simply search SkyPoint.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

I downloaded the app but don’t have a user name or password, how to I get that information?<\/span><\/a><\/h3>
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Simply press the signup button on your app, from there, once you have filled out the fields correctly you’ll have created your username and password for your app and online banking.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

Whats the quickest way to check my balances?<\/span><\/a><\/h3>
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Making use of the Quick Balance feature on the mobile app is the quickest way to view your balances. You can access it by going into settings, pressing quick balance, then enabling on the current device.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

Security Tips<\/h2>\n

All Tips<\/span><\/a><\/h3>
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The Online Banking service has several effective security techniques that we encourage you to implement when you use the Online Banking service:<\/p>\n

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  1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.<\/li>\n
  2. Change your password on a regular basis.<\/li>\n
  3. Use the Exit button to end each Online Banking session. Do not use the Back button to exit the site.<\/li>\n
  4. Balance your account on a regular basis. Online Banking makes it easy!<\/li>\n
  5. Make sure to have an updated email address and mobile number for alerts and your multi-factor authentication.<\/li>\n
  6. When you sign on through a new computer verify yourself with multi-factor authentication, you will be prompted to be verified by either email or cellphone. Be sure to keep it as a public computer if its not your primary computer.<\/li>\n<\/ol>\n\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

    Touch ID FAQs<\/h2>\n

    What is Touch ID<\/span><\/a><\/h3>
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    Touch ID is a simple, secure way to access the SkyPoint Mobile App via touch-enabled iPhones using built-in, fingerprint-sensor technology.<\/p>\n\n<\/div><\/div><\/div><\/div><\/div>\n\n

    What are the system requirements for Touch ID?<\/span><\/a><\/h3>
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    To use Touch ID, please use one of the following devices:<\/p>\n