Please note that Soarion Financial Centers and Administrative offices will be closed on Saturday, July 4th in observance of Independence Day. Please note that Soarion Financial Centers and Administrative offices will be closed on Saturday, July 4th in observance of Independence Day. Please note that Soarion Financial Centers and Administrative offices will be closed on Saturday, July 4th in observance of Independence Day. Please note that Soarion Financial Centers and Administrative offices will be closed on Saturday, July 4th in observance of Independence Day.

Get The Checking Rewards you Deserve

SkyX Checking

Pushing rewards to the outer limits. Get a checking account that supports your lifestyle and peace of mind.

Open an account

Grow Your Money Without Lifting a Finger

Get Rewarded with Cash Back With Each Qualifying Purchase

Lifestyle Perks Like Phone Protection, Telehealth,
and More

Keep Your Identity And Credit Safe with ID Theft Resolution and Monitoring

about skyx checking

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

Watch your finances soar with Cash Back4

Enjoy the convenience of Cell Phone Protection2, Telehealth3, **, Roadside Assistance2 and other lifestyle benefits.

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

And that’s just the beginning of what you can expect.

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.

Open an account

Lifestyle Benefits

Financial Benefits

Security Benefits

Save Time and Money

Lifestyle Benefits1

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.)

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)

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.

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).

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

Grow and Access Your Funds

Financial Benefits

Earn 12¢ cash back on every qualifying purchase. Cover your service fee with 50 qualifying purchases.

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

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

Get access to your funds a day early if they are received by the Credit Union.

Quickly and securely send funds.

Have Peace of Mind

Security Benefits1

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

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

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

Full credit report, credit score simulator, and more.

SkyX Basics

  • $25 minimum opening deposit
  • No minimum balance
  • $6 monthly service fee
  • 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

Rates & Comparison

Compare your Checking Options

SkyX Checking6
Skyrise Checking7
$600 Cell Phone Protection2
Telehealth Services3,**
Roadside Assistance Service2

Prepaid Gas Card

Pays Dividends

$0.12 per swipe4
Identity Monitoring**
Identity Theft Resolution Services1
Complimentary Domestic Wires8

Credit Score Simulator

Action Plan
To improve credit score

Get paid a day early with
direct deposit5

Credit Monitoring

No minimum balance

Surcharge-fee ATMs nationwide

Credit Score Toolbox

Daily Credit Score

Credit Analysis

Credit Report

Credit Alerts

Credit Score Goal

FAQs

SkyX Account FAQs
What checking benefits does SkyX Checking include?

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. 

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.

How do I access my SkyX Checking benefits?

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. 

3 Easy Steps to Open 
a SkyX Checking Account

Check Eligibility

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

1

Open an Account

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

2

Enjoy your Rewards!

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

3

SkyX Checking Account Rate

Rates effective as of: 07/10/2026

Minimum Balance

Account

Dividend Rate

APY*

See footnote

SkyX Checking

.01%

.01%

Minimum Balance

See footnote

Account

SkyX Checking

Dividend Rate

.01%

APY*

.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.

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

7$25 initial opening deposit required. No monthly fee. No monthly minimum balance required. This account does not earn dividends.

8$15 outgoing domestic wire fee waived for SkyX Checking account holders. $5 incoming wire fee applies.

**Registration/activation required.

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Get Started

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