Help

Call, send a message, or read answers on accounts, transfers, and security.

call Call us Contact chat Message We reply in one day lock Security Freeze, alerts, fraud help Answers Password, transfers

Talk to a person

We reply within one business day. If you already bank with us, sign in for account-specific help.

  • schedule Hours 7:00am – 9:00pm local, 7 days
  • location_on Desk 120 Heritage Ave, Suite 400, United States — by appointment
Sign in for account help

Send a message

A specialist reads every note. Don’t include your full account number or PIN.

Questions, answered

Clear guidance so you can bank with confidence.

How do I reset my password? expand_more

From the login screen, use the email on your profile. A reset link is sent only to that address.

How long do transfers take? expand_more

Skydek-to-Skydek transfers post immediately. External ACH typically takes 1–3 business days depending on the other bank.

What if I lose my card? expand_more

Freeze it from your dashboard, then call support. We mail a replacement at no charge for personal accounts.

Where are statements? expand_more

Open any account after login to see activity. Monthly statements are listed on the same page as transactions.

How we keep your money safe

These controls run in the background. Tighten them anytime from your dashboard.

Encryption in transit chevron_right

TLS on every page. We never email full account numbers or passwords.

Device awareness chevron_right

New browsers trigger a notice. Sign out everywhere from one screen.

Instant freeze chevron_right

Lock a debit card without closing the account. Unlock when you are ready.

Smart alerts chevron_right

Optional pings for logins, large spends, and transfers above a limit you set.

Account controls chevron_right

Review activity, freeze a card, and manage devices from your dashboard.

Fraud desk chevron_right

If something looks wrong, call us. We can halt transfers while we investigate.

Rates & fees

APY = Annual Percentage Yield. Variable rates may change after account opening. Figures are current as of September 23, 2026.

Everyday Checking

0.10% APY

Fee $0 · ATM rebate up to $10/mo

Growth Savings

4.50% APY

Fee $0 · No minimum to open

11-month CD

5.15% APY

Fee $0 · $1,000 minimum

Business operating

0.05% APY

Fee $0 / $12 · $0 under $5k average

Business tax savings

3.80% APY

Fee $0 · Instant internal transfers

Business line of credit

from 11.9% APR

Fee $0 unused · Subject to underwriting

30-year mortgage

6.25% APR

Fee — · Fixed-rate illustration

Auto loan (new)

5.89% APR

Fee $0 · Up to 72 months

Personal loan

from 8.49% APR

Fee $0 · $2,000–$50,000

Outgoing domestic wires $15. Incoming wires $0. Stop payment $25. Official checks $8. Overdraft: we do not charge NSF fees on personal checking.

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Still need a hand?

Sign in to message us from your dashboard, or send the form above. Either way, a person reads it.

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Ready to access your accounts?

Sign in for balances, transfers, cards, and lending, or open Help if you need us.

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How we operate

  1. 1

    Accounts are opened and funds moved solely through authenticated online banking or a signed written authorization. Intra-bank transfers settle the same day once identity checks conclude. External ACH, wires, and linked-bank pulls follow published cut-off times and may take additional business days. We do not accept verbal instructions to open an account, change a payee, or release a hold.

  2. 2

    Deposits are held with encrypted sessions and account controls you can review in online banking. Continuous fraud monitoring covers cards, logins, and unusual payment patterns. A card may be frozen from the member dashboard without delay; unfreezing requires the same authenticated session. Skydek will not ask you to disable monitoring, share a screenshot of a one-time code, or install software to “verify” a transfer.

  3. 3

    Access is granted only after identity verification. Only authorized personnel may view or instruct on funds, and dual control applies to high-value wires and new payees. Skydek does not send login links by email, nor request one-time codes by telephone. Device recognition, session timeouts, and password standards are enforced on every portal page. If we cannot confirm you, we will decline the request rather than complete it.

  4. 4

    Every deposit, payment, and wire is entered in the member’s transaction history and retained so statements and tax-ready exports remain complete. Monthly statements are available in online banking; paper copies may be requested through Help. We do not alter posted entries except to correct a documented error, in which case a reversing record is shown. Members are expected to review activity promptly and report unauthorized items without delay.

  5. 5

    Fees and APYs are disclosed on the fee schedule and are variable unless a certificate or loan note states otherwise. Checking, savings, credit, and banking solutions for personal, business, and wealth are available under one login. Highlighted rates are current as of the date shown and may change. There is no monthly maintenance fee on Everyday Checking or Growth Savings; other products, wires, and out-of-network ATM use may carry charges as published.

  6. 6

    Enrollment constitutes agreement to the terms and conditions and privacy policy. We collect only what is required to open, service, and safeguard the account, and we do not sell member data. Governing law, dispute procedures, and electronic-communications consent are set out in those documents.