Personal Banking

Everyday banking that moves with you.

Checking, savings, and cards designed around how you actually live — with warm, human support when you need it.

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Family cooking together in a bright kitchen

$0

Monthly checking fee

4.50%

APY Growth Savings

5.15%

APY 11-month CD

$10

ATM fee rebate / month

Accounts built for real life

Each card shows the number that matters most — then two clear next steps.

payments

Everyday Checking

No monthly fee, instant internal transfers, and a debit card that arrives in days.

0.10% APY

Talk to a specialist Details
savings

Growth Savings

High-yield savings with optional round-ups from checking. No minimum to open.

4.50% APY

Talk to a specialist Details
credit_card

Rewards Card

Earn on dining and travel, then redeem straight into Growth Savings.

3% dining & travel

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Included with every personal account

  • check_circle Encrypted sessions and instant card freeze from the dashboard
  • check_circle Same-day transfers between your accounts
  • check_circle Mobile deposit and instant virtual debit card
  • check_circle Lock, unlock, and set spend alerts from the dashboard
  • check_circle Human support 7am–9pm local time, every day
payments

Bill pay

Schedule once. We send on time.

devices

Online banking

Full dashboard in the browser.

savings

Round-ups

Spare change into savings.

lock

Card freeze

Stop spend in one tap.

Certificates of deposit

Lock a rate when you have cash you will not need right away. Early withdrawal penalties apply.

6 months

$1,000 minimum

4.25% APY

11 months

$1,000 minimum

5.15% APY

24 months

$1,000 minimum

4.10% APY

Members who moved with us

Real stories from people who wanted banking that felt human — and still took their money seriously.

star star star star star
“Round-ups filled my emergency fund without me thinking about it.”

Sofia N.

Growth Savings

star star star star star
“No-fee checking that still pays a little interest. That should be normal.”

James P.

Everyday Checking

star star star star star
“The 11-month CD was the first time a rate on a bank site felt worth locking.”

Rita L.

CD customer

Questions, answered

Clear guidance so you can bank with confidence.

Is there a minimum to open checking? expand_more

No. Everyday Checking has no opening minimum and no monthly maintenance fee.

How do I get my debit card? expand_more

A virtual card is available as soon as your account is approved. The physical card ships in 5–7 business days.

Can I have checking and savings together? expand_more

Yes. New members receive Everyday Checking and Growth Savings automatically when they join online.

What if I need cash from an ATM? expand_more

Use in-network ATMs at no charge. Out-of-network fees are rebated up to $10 each month on personal checking.

savings

Open checking and savings together.

A specialist opens accounts after a short review. Then you sign in here for transfers, cards, and statements.

Talk to a specialist

Ready to access your accounts?

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

lock Log in Help

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.