{"id":4788,"date":"2025-12-15T13:56:32","date_gmt":"2025-12-15T17:56:32","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarea\/?page_id=4788"},"modified":"2025-12-15T13:57:03","modified_gmt":"2025-12-15T17:57:03","slug":"simple-checking","status":"publish","type":"page","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/bank\/checking\/simple-checking\/","title":{"rendered":"Simple Checking"},"content":{"rendered":"<div class=\"band content-hero-v003 content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h1>Checking Made Simple<\/h1><h4>Enjoy the freedom of Simple Checking from SkyPoint<\/h4><a href=\"https:\/\/app.loanspq.com\/apply.aspx?lenderref=mcefcu080615&#038;list=XA1S&#038;referralsource=Website&#038;BRANCHID=3690c1163d914f11ade008f458f87160\" target=\"_self\" class=\"btn-blue-1\">Open Now<\/a><a href=\"https:\/\/app.loanspq.com\/cu\/ViewSubmittedLoans.aspx?lenderref=mcefcu080615\" target=\"_self\" class=\"btn-blue-1\">Check Status<\/a><\/div><div class=\"feature-wrap-image\"><figure class=\"feature-wrap-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/10\/09224SKY2025CheckingWeb-Banners1600x640Option1.jpg\" alt=\"\"><\/figure><\/div><\/div><\/div><\/div>\n\n<div class=\"band content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap feature-wrap-promos-2\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/11\/09224SKY2025CheckingPage-Images600x400Option8.jpg\" alt=\"\"><\/figure><\/div><!--feature-image--><div class=\"feature-content\"><div class=\"feature-content-text\"><h2>Simple Checking, But Full of Features<\/h2>\n\n<ul>\n<li><span style=\"color: #808080;\"><strong>No minimum balance<\/strong><\/span>\n<ul>\n<li><span style=\"color: #808080;\">Keep as much or as little as you need.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #808080;\"><strong>No monthly service charges*<\/strong><\/span>\n<ul>\n<li><span style=\"color: #808080;\">There are no monthly or hidden service charges.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #808080;\"><strong>Free Visa\u00ae debit card<\/strong><\/span>\n<ul>\n<li><span style=\"color: #808080;\">Enjoy convenient access to your funds anywhere Visa\u00ae is accepted.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div><!--feature-->\n<\/div><!--feature-wrap--><\/div><\/div>\n\n<div class=\"band\"><div class=\"zone zone-custom-content-block-3\"><div class=\"zone-title\"><h2>All SkyPoint checking accounts come with amazing benefits like:<\/h2><\/div><div class=\"feature-wrap\">\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"24_7_access\"><figure class=\"feature-image-inner\" style=\"color:\"><span class=\"fa fa-dollar-sign\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>24\/7 Access<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"24_7_access\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Get what you need with online, mobile, and telephone banking.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"overdraft_protection\"><figure class=\"feature-image-inner\" style=\"color:\"><span class=\"fa fa-university\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Overdraft protection<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"overdraft_protection\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Transfer from your savings account or personal line of credit.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"courtesy_pay\"><figure class=\"feature-image-inner\" style=\"color:\"><span class=\"fa fa-credit-card\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Courtesy pay<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"courtesy_pay\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>When you&#8217;re short on cash, SkyPoint checking as you covered up to $750.\u00b2<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n<\/div><!--feature-wrap--><\/div><!--band-cta--><\/div>\n\n<div class=\"band content-fullwidth band-custom-tabbed-content-1\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h2>Create the Right Experience for You<\/h2><h4>Find the account thats right for your lifestyle<\/h4><\/div><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\">\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"highyieldchecking_img_tab\"><span class=\"text\">High Yield Checking<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"highyieldchecking_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/10\/09224SKY2025CheckingPage-Images600x400Option3.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>When you are looking for a little more from your checking account, choose High Yield Checking from SkyPoint. High Yield Checking\u2019s features allow you to:<\/p>\n<ul>\n<li>Earn up to 4.0% APY<sup>2<\/sup> on your balance.<\/li>\n<li>Get up to $20 in ATM fee refunds per month.<sup>1<\/sup><\/li>\n<li>Receive a free Visa\u00ae debit card.<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/app.loanspq.com\/xa\/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaDwuTQMGJjtBK-j348-MIQ5btMbGQWEmpap06RO0QWrpGylZi_EdIGWrpEDwTUGmt4_IfVHCEeRoABLf7P7-dc0M1KKtYKLUEJRLnYQmj-uxokcO6UUsumVEFo2UHBUtz-irDVctPtm-NRyXcwnJiVlYPP93Qq6_fqkDRui4JGw2nzwvHapFh9zDfmaNLThdheTow_craGftHLLNGTHDIWAWLX-vaRSlJie0Ople7ybLSOe6tqvAqNTV2GrpcF_z06g\">Open a High Yield Checking<\/a><\/p>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/bank\/checking\/high-yield-checking\/\">Learn More<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"cashbackchecking_img_tab\"><span class=\"text\">Cash Back Checking<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"cashbackchecking_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/10\/09224SKY2025CheckingPage-Images600x400Option6.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>If earning cash back on your debit card purchases fits your lifestyle better, SkyPoint\u2019s Cash Back Checking is where it\u2019s at. Cash Back Checking features allow you to:<\/p>\n<ul>\n<li>Earn 2% cash back on qualifying debit card transactions.<sup>3<\/sup><\/li>\n<li>Get up to $20 in ATM fee refunds per month.<sup>4<\/sup><\/li>\n<li>Receive a free Visa\u00ae debit card.<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/app.loanspq.com\/xa\/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaDwuTQMGJjtBK-j348-MIQ5btMbGQWEmpap06RO0QWrpGylZi_EdIGWrpEDwTUGmt4_IfVHCEeRoABLf7P7-dc0M1KKtYKLUEJRLnYQmj-uxokcO6UUsumVEFo2UHBUtz-irDVctPtm-NRyXcwnJiVlYPP93Qq6_fqkDRui4JGw2nzwvHapFh9zDfmaNLThdheTow_craGftHLLNGTHDIWAWLX-vaRSlJie0Ople7ybLSOe6tqvAqNTV2GrpcF_z06g\">Open a Cash Back Checking<\/a><\/p>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/bank\/checking\/cash-back-checking\/\">Learn more<\/a><\/p>\n\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"band content-fullwidth band-custom-feature-slider\"><div class=\"band-title\"><h2>Open in 3 easy steps!<\/h2><\/div><div class=\"band-image\"><figure class=\"band-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2024\/09\/esflexloan.jpg\" alt=\"Couple on couch with laptop\"><\/figure><\/div><div class=\"zone\">\n<div class=\"feature-wrap feature-wrap-custom-feature-slider-images\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_applynow1-355x490-1.png\" alt=\"SkyPoint Apply Now Checking\"><\/figure><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_loans6-355x490-1.png\" alt=\"\"><\/figure><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_loans4-355x490-2.png\" alt=\"SkyPoint Account confirmation\"><\/figure><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"feature-wrap feature-wrap-custom-feature-slider-nav\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 1 <\/h3><h4>Eligiblity<\/h4><p>Double check your membership eligibility. You may qualify based on where you live, work, attend school, worship, or volunteer.<\/p><\/div><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 2<\/h3><h4>Gather your information<\/h4><p>We will need your personal information and a valid identification.<\/p><\/div><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 3<\/h3><h4>Membership application<\/h4><p>Submit a membership application. You can become a member with just a regular savings account and five dollars.<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"band content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap feature-wrap-custom-product-block blue-blue\"><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h2>Get started today!<\/h2><p>Open your new Checking account in minutes!<\/p><\/div><\/div><div class=\"feature-cta\"><a class=\"\" href=\"https:\/\/app.loanspq.com\/apply.aspx?lenderref=mcefcu080615&#038;list=XA1S&#038;referralsource=Website&#038;BRANCHID=3690c1163d914f11ade008f458f87160\" target=\"_self\">Open now<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p><sup>1<\/sup>There are certain fees that apply on an individual basis, such as the overdraft fee. See the Service Charge Schedule for details on the various charges SkyPoint may assess.<\/p>\n\n\n\n<p><sup>2<\/sup>Please refer to our Courtesy Pay Disclosure for more information.<\/p>\n","protected":false},"excerpt":{"rendered":"1There are certain fees that apply on an individual basis, such as the overdraft fee. 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