Enjoy the Benefits of the
Skylight
®
PayOptions
™
Program
Instead of waiting in line to cash your paycheck,
have your pay automatically deposited to a Skylight
PayOptions account. No matter where you are on
pay day, you’ll have easy access to your funds —
even if you don’t have a bank account.
Enjoy Many Convenient Features
at No Additional Cost
1
•
No enrollment fee.
•
No monthly maintenance fees.
•
Secondary card for family member
or trusted friend at no extra cost.
2
•
No-Cost Card Highlights:
-
ATM withdrawals within the Allpoint network.
-
Over-the-counter cash withdrawals at any
MasterCard
®
member bank.
-
Skylight Checks with free check cashing.
3
-
Cash back from PIN debit transactions at
participating locations.
-
Bill pay at no additional cost from Skylight.
-
24/7 access to account info via automated
phone system, Web, mobile app, email, and
text messages.
4
With a Skylight ONE
®
Prepaid MasterCard, you can
make purchases everywhere Debit MasterCard is
accepted. You eliminate the hassle and costs of
cashing a traditional paper paycheck, and don’t
have to worry about lost or stolen paychecks.
Experience the Many Cardholder Benefits
•
Portability. The account is yours to take
with you even if you switch employers.
•
Secure. When you lose cash, your money
is gone. If you lose your card, Skylight makes
it easy to get a replacement card. Your first
replacement card per year is free.
1
Plus, the
funds on your card are held on deposit at
an FDIC-insured bank.
•
Monthly Statements. You can review your
monthly statement online or request to have
a free monthly statement mailed to you.
•
Flexibility. Use your Skylight ONE Card for
purchases at retailers or to pay bills online or
over the phone. You can also use Skylight
Checks to access 100 percent of your wages.
•
Convenient Account Access. Check
balances, see recent transactions, transfer
funds and more online or on your mobile device
with the free Skylight app.
4
•
Budgeting Tools. Take control of your
finances by using Skylight’s free budgeting tools
to track and manage your money, your way.
You can even sign up to get alerts when
spending approaches budget goals.
4
•
Rewards Programs. Enjoy a free cash back
rewards program and get paid for making
purchases.
5
1
While these features are available for free, certain other fees are associated with use of this Card.
Consult your Fee Schedule for additional details.
2
There is no credit approval process for the Skylight PayOptions Program. IMPORTANT
INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the
funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial
institutions and their third-party service providers to obtain, verify, and record information that
identifies each person who opens a card account. What this means for you: When you open
a card account, we will ask for your name, address, date of birth, and other information that
will allow us to identify you. We may also ask to see your driver’s license or other identifying
documents. In accordance with federal regulations, until it is activated and registered, a prepaid
debit card is subject to initial load limitations, may not be used for international transactions or
account-to-account transfers, or be reloaded. The same identification verification requirements
apply to each secondary cardholder, if any are designated by you.
3
Skylight Checks can be cashed free of charge at any U.S. Bank branch, at participating Walmart
locations, and at participating ACE Cash Express locations. Other check cashers set their own
policies regarding check acceptance and may charge you a fee to cash Skylight Checks. See
the Skylight Checks for step-by-step instructions.
4
User must register for Account Center access and activate subscription to receive Anytime
Alerts
TM
. Skylight does not charge for this service, but your wireless carrier may charge for
messages or data.
5
By activating and using a Skylight ONE Card, your participation in the rewards program is
automatically activated. You may opt-out at any time by visiting your Rewards Summary Page at
your Account Center. The reward offers we choose and send to you are based on your shopping
habits. We will not share any personal information about you with the merchants who sponsor
offers. When you activate an offer and make a purchase with the card, the merchant will not
know you are a rewards program customer, but you will become their customer. For more details
about how and when you get rewarded, see the program FAQs, terms and conditions in your
Account Center. Cash back rewards are credited to your Card Account and are not available in
the form of a check or other direct payment method. Program sponsor: Skylight Financial. BofI
Federal Bank is not affiliated with the program and neither endorses nor sponsors it.
The Skylight ONE Prepaid MasterCard is issued by BofI Federal Bank pursuant to a license by
MasterCard International Incorporated. Funds loaded to Skylight ONE Card accounts are held
at BofI Federal Bank, Member FDIC. Skylight Financial, Inc., a TSYS
®
Company, is a registered
agent of BofI Federal Bank. Certain products and services may be licensed under U.S. Patent
Nos. 6,000,608 and 6,189,787. Use this card everywhere Debit MasterCard is accepted.
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard
International Incorporated. All other trademarks and service marks are the property of their
respective owners. ©2014 Total System Services, Inc.
®
All rights reserved.