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Launching January 6, 2026

SkyX Checking

With SkyX Checking1, you'll get cash rewards 4 on every swipe and unique benefits like cell phone protection2, telehealth visits3, **, roadside assistance2, and much more!

Questions? Contact Us

Red Roller coaster tracks against a blue sky
woman smiling and leaning out of open driver's side window

About SkyX Checking

With SkyX Checking1, we are pushing rewards to the outer limits.

  • Watch your finances soar with Cash Back4 financial benefits.

  • Enjoy the convenience of Cell Phone Protection2, Telehealth3, **, Roadside Assistance2 and other lifestyle benefits that save you time and money.

  • Experience peace of mind with Identity Monitoring**, Identity Theft Resolution1, and other Credit Monitoring security benefits.

  • Plus you'll have other added perks like free 24/7 access to Digital Banking, fast money movement between all your accounts, Pay a Person (P2P) and unlimited Bill Pay.

And that's just the beginning of what you can expect. See below for more information.

The best part is, it's all yours for a low $6 monthly service fee6, which is waived for those 18 through 25 years of age.

    SkyX Basics

  • $25 minimum opening deposit


  • No minimum balance


  • $6 monthly service fee6


  • Visa "Tap-to-Pay" Debit Card


  • 24/7 account access with Digital Banking

     


  • Access to over 55,000 surcharge-free ATMs via the Allpoint Network 

    Debit Card Payment

     

     

    Save Time and Money

    Lifestyle Benefits1

    Cell Phone Protection2

    Receive replacement or repair costs up to $600 or the current value of your device, whichever is less, if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible per claim applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill. (Cell phone bill must be paid using your SkyX Checking Account.)

    Telehealth3

    Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family—all with zero copays (registration/activation required)

    Roadside Assistance Service2

    24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

    Prepaid Gas Card

    For life on the move- members receive 20% savings on a prepaid gas card. These cards are convenient to purchase and easy to use. (registration/activation required; additional terms and conditions may apply)

    24/7 Mobile Banking

    Open, access, and manage your accounts anytime, anywhere.

     

     

    Grow and Access Your Funds

    Financial Benefits

    Cash back4

    Earn 12¢ cash back on every qualifying purchase. In as few as 50 purchases per month, your cash back will equal the monthly service fee!

    Earn Dividends

    Take your funds above and beyond and earn dividends on your deposits.

    Surcharge-Free ATMs Nationwide

    At over 55,000+ locations through the AllPoint network.

    Early Direct Deposit5

    Receive your paychecks into your account a day early.

     

     

    Have Peace of Mind

    Security Benefits1

    Identity Monitoring**

    Active scanning of thousands of databases for early detection of possible identity theft.

    Identity Theft Resolution

    Up to $10,000 in identity theft reimbursement coverage with specialists to assist you.

    Credit Monitoring

    Alerts about changes in your credit report to protect against fraud and dispute errors.

    Credit Score Toolbox

    Full credit report, credit score simulator, and more.

     

     

    SkyX Account FAQs

    SkyX Checking includes many lifestyle, financial, and security benefits. From Cell Phone Protection, Roadside Assistance Service, Telehealth, and Cash Back to Identity Theft Resolution, Credit Score Action Plan, surcharge-free ATM access, and more, SkyX has something to offer everyone. Check out our website soarion.org for more info.

    There is a non-waivable $6 monthly service fee. 

    On the first day of each month.

    No. The monthly service fee is waived for ages 18 through 25. 

    The fee will be assessed on the first day of the month following the month in which you turn 26 years of age.

    No. There is no minimum balance for this account. 

    It is limited to one account per member.

    Yes. However, please keep in mind that each SkyX Checking account you are a joint owner of has its own individual monthly service fee. Benefits are redeemable per email address. Each member may only redeem benefits on one account.

    SkyX Benefit FAQs

    Your SkyX benefits are accessible within Digital Banking. Navigate to your account or select “SkyX Benefits” from the navigation bar. Alternatively, you can access your benefits by visiting SkyX.ClubChecking.com. You will need to create a separate login to access your benefits.

    Yes. However, they will need a unique email address and login for the account. 

    You can still access your account at SkyX.ClubChecking.com.

    Some benefits require authentication, registration, and/or activation. Visit Skyx.ClubChecking.com or call 866-210-0361 for more information. 

    Your benefits are available to you as soon as you open a SkyX Checking Account. Please note that for Cell Phone Protection, you will need to provide the previous month’s SkyX account statement showing your out-of-pocket expenses for repair/replacement in order to receive reimbursement. You can learn more at SkyX.ClubChecking.com.

    Yes, you can use the benefits anywhere in the United States. 

    Compare your Checking Options

    SkyX Checking
    Skyrise Checking
    $600 Cell Phone Protection2
    SkyX Checking
    Skyrise Checking
    Telehealth Services3
    SkyX Checking
    Skyrise Checking
    Roadside Assistance Service2
    SkyX Checking
    Skyrise Checking
    Prepaid Gas Card
    SkyX Checking
    Skyrise Checking
    Pays Dividends
    SkyX Checking
    Skyrise Checking
    $0.12 per swipe4
    SkyX Checking
    Skyrise Checking
    Identity Monitoring1
    SkyX Checking
    Skyrise Checking
    Identity Theft Resolution Services1
    SkyX Checking
    Skyrise Checking
    Credit Score Simulator
    SkyX Checking
    Skyrise Checking
    Action Plan

    To improve credit score

    SkyX Checking
    Skyrise Checking
    Get paid a day early with direct deposit5
    SkyX Checking
    Skyrise Checking
    Credit Monitoring
    SkyX Checking
    Skyrise Checking
    No minimum balance
    SkyX Checking
    Skyrise Checking
    Surcharge-free ATMs nationwide
    SkyX Checking
    Skyrise Checking
    Credit Score Toolbox
    SkyX Checking
    Skyrise Checking
    Daily Credit Score
    SkyX Checking
    Skyrise Checking
    Credit Analysis
    SkyX Checking
    Skyrise Checking
    Credit Report
    SkyX Checking
    Skyrise Checking
    Credit Alerts
    SkyX Checking
    Skyrise Checking
    Credit Score Goal
    SkyX Checking
    Skyrise Checking

     

    Open a SkyX Checking Account on January 6, 2026!

    Step

    1

    Check Eligibility

    It’s easy to become a Soarion member. Check your eligibility here.

    Step

    2

    Open an Account

    Open a SkyX checking account online or in person at a financial center.

    Step

    3

    Enjoy your Rewards!

    Use your debit card to get cash back4 and take advantage of all your new perks.

    SkyX Checking Account Rate

    Rates effective as of:

    Minimum Balance Account Dividend Rate APY*
    See footnote SkyX Checking .01% .01%

    * APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice. Fees may reduce the earnings on the account.

    Membership required. Federally insured by NCUA.

     

    1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

     

    2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit can be found online at SkyX.ClubChecking.com.

     

    3Available for the account owner(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

     

    4Transactions that qualify for Cash Rewards will receive 12 cents cash back for every signature-based transaction made with a debit card that is five dollars or more. The credit union reserves the right to determine if transactions processed under the Cash Rewards program are usual and customary. For transactions that are not usual and customary, they are: 1) not eligible for the rewards payment, and 2) may result in a loss of debit card privileges and any accrued rewards cash.

     

    5Set up direct deposit of your paycheck or benefits and you could get access to your funds a day early if they are received by the credit union.

     

    6Monthly service fee $6. Fee waived for ages 18 through 25. No minimum balance required.

     

    **Registration/activation required.

    Need a Basic Spending Account?

    Our Skyrise Checking Account may be right for you.
    Learn More