Straightforward fee schedule
No surprise charges on everyday activity. Relationship clients enjoy waived or reduced service fees when qualifying balances and activity thresholds are met, as described in your deposit agreement.
Premium Checking Solutions for Distinguished Private Clients
Make everyday banking efficient with a Sky account designed for private clients clear pricing, dedicated support, and digital controls that keep you in command.
Excellence in private client service
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Leading digital experience — private banking
Industry analyst survey
Trusted partner for cross-border families
Editorial recognition
Checking account features
ATM access & rebates
Use Sky and partner ATMs across the U.S. and selected international locations. Eligible accounts may receive monthly rebates for out-of-network ATM surcharges, up to program limits.
Earlier access to deposits
When you set up qualifying direct deposits, you may receive payroll and eligible government payments up to two days early, subject to payer timing and our funds availability policy.
More value, less friction when you bank with Sky
Rates
Annual percentage yields (APYs) are variable and accurate as of the date shown on your account disclosure. Higher relationship tiers may qualify for improved yields. A banker will confirm current rates before account opening.
Sample tier (illustrative)
Standard relationship checking — variable APY on qualifying
balances.
0.15% – 0.45% APY range depending on balance
band and relationship (example only; not an offer).
Fees
Monthly service
May be waived with qualifying direct deposit, minimum balance, or combined relationship balances. See the Schedule of Fees for your product.
Overdraft
Sky offers sensible overdraft options where available; fees and limits are disclosed at account opening. You may opt out of certain paid overdraft services.
Wire & expedited payments
Standard and international wires, as well as rush payments, may carry disclosed fees. Private clients often receive allowances based on relationship level.
Frequently asked questions
How do I apply?
Start online by signing in or creating a profile, or call Private Client Service at +1 317-552-0423. A banker will guide you through documentation and funding.
What do I need to open?
Government-issued ID, Social Security or tax ID, proof of address, and initial funding per product minimums. International clients may provide additional KYC documentation.
When is my debit card delivered?
Personalized cards typically arrive within 7–10 business days after account approval. Digital wallet provisioning may be available sooner where supported.
On-the-go money management from your private bank
The same disciplined service you expect in person—available on web and mobile with controls that match how you run your finances.
- Contactless Visa® debit and integration with Apple Pay, Google Pay, and similar wallets.
- Internal and external transfers with scheduling and alerts.
- Mobile check deposit and secure document upload.
- ATM locator and fee-free network guidance in the app.
