Skypoint Federal Credit Union

Yes. You can schedule weekly, semi-monthly and monthly recurring payments.

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.

When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

No, only checking accounts can be used for bill payment purposes.

You can begin using Bill Payment once you have received your email notification of availability.

You can schedule payments 24 hours a day, seven days a week.

You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

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.

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.

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.

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.

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.

Yes, each individual member’s account is insured by the NCUA up to $250,000 per account.

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.

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.

Credit Unions offer similar services to banks, however they are non-profit. As such member fees and loan interest rates are typically lower.

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 to join the Credit Union.

Yes, any member of your family or household is eligible to become a member of SkyPoint Federal Credit Union if you are a member.

Once you have determined that you are eligible 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.

You can download our mobile app from your devices app store, simply search SkyPoint.

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.

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.

The Online Banking service has several effective security techniques that we encourage you to implement when you use the Online Banking service:

1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
2. Change your password on a regular basis.
3. Use the Exit button to end each Online Banking session. Do not use the Back button to exit the site.
4. Balance your account on a regular basis. Online Banking makes it easy!
5. Make sure to have an updated email address and mobile number for alerts and your multi-factor authentication.
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.

Touch ID is a simple, secure way to access the SkyPoint Mobile App via touch-enabled iPhones using built-in, fingerprint-sensor technology.

To use Touch ID, please use one of the following devices:

• iPhone 5s running iOS 8 or higher
• iPhone 6
• iPhone 6 Plus

Yes, if prompted to log in with fingerprint, simply swipe to the right to enter your username and password.

Upon successfully logging into the SkyPoint Mobile App with your username and password on a Touch ID-supported iPhone, you will be asked if you would like to start using Touch ID to log in.

Touch ID fingerprints are stored on the device and encrypted with a key only accessible to the device. The SkyPoint Mobile App cannot access the actual fingerprint, only determine whether the fingerprint is valid.

If your account is locked or on hold, you cannot log in. However, even if the account requires the password to be reset, you can still use Touch ID to log in. Touch ID is an alternative credential.

Touch ID offers strengthened security by not storing usernames and passwords on the device.

You can disable Touch ID in the Settings menu of the SkyPoint Mobile App.

A Wire Transfer is a method of electronic funds transfer between one person or entity to another.

Wire transfers can only be done through online banking.

You need to provide the receiving bank, the beneficiary name, as well as the final credit. If any of this information is missing, then your funds may be returned. Please refer to the Funds Transfer FAQs if you are looking to transfer from an outside institution and not using a wire option.

Generally, incoming wire transfers post in the account the same day they are received. Incoming wires received after 4pm or on weekend may post the next business day.

Fee’s associated with wire transfers are as follows: