Sky Checking Accounts

Select the checking relationship that aligns with your objectives. The comparison below summarizes estimated monthly maintenance fees, paths to fee waivers, and debit card features for each product. Apply online or through Private Client Service when you are ready. View accounts below

Find your checking account

Monthly fees, waivers, and features vary by product. The Schedule of Fees in your account agreement governs. Images show representative card art; issuance is subject to approval and location.

Sky Access Checking debit card, navy and bronze design

Sky Access Checking

Everyday access with a clear fee schedule, mobile tools, and a debit card designed for global use.

Monthly maintenance fee

  • $0.00 with qualifying direct deposit and activity, or $12.00 per month if those requirements are not met.
  • Waivers may also apply with a minimum daily balance or combined relationship balances—see disclosures at application.
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Sky Private Checking debit card, onyx and champagne design

Sky Private Checking

Premium everyday banking with relationship-based service, higher limits, and spend controls.

Monthly maintenance fee

  • $0.00 when you maintain $25,000 in combined qualifying deposit and investment balances, or $30.00 per month otherwise.
  • Additional fee waivers may be available for Private Client program tiers; your banker will confirm.
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Sky International Checking debit card, midnight and silver design

Sky International Checking

Cross-border cash management with travel-ready support and global monitoring on your card.

Monthly maintenance fee

  • $0.00 with one qualifying cross-border or FX-related transaction per statement period, or $18.00 per month.
  • Waiver also available with combined minimum balances where disclosed for your jurisdiction.
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Sky Rewards Checking debit card, triptych platinum design

Sky Rewards Checking

Rewards-focused checking with earn on signature debit and redemption through Sky’s private client rewards portal.

Monthly maintenance fee

  • $0.00 with $50,000 in combined eligible balances, or $25.00 per month plus a separate annual rewards program fee that may be waived.
  • Waiver and earn rules are confirmed in the Product Guide at account opening.
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Sky Gold Checking debit card, emerald pinstripe design

Sky Gold Checking

Sustainable-first service with e-statements, paperless rewards, and eco-minded card fulfillment where available.

Monthly maintenance fee

  • $0.00 with estatements and one qualifying Gold program enrollment action per year, or $8.00 per month.
  • Eligible charitable match and recycled-card programs are described in the Product Guide.
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Sky Premier Checking debit card, violet honeycomb design

Sky Premier Checking

All-in-one cash management for established balances, bundled service benefits, and prioritized support lines.

Monthly maintenance fee

  • $0.00 when you maintain $200,000 in combined qualifying deposits and eligible investments, or $35.00 per month.
  • Program perks (e.g. same-day payment limits) are subject to verification and your Private Client documentation.
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Need help picking the right account?

Our private bankers and Private Client Service can walk you through fees, waivers, and international or rewards options so you do not have to choose from a chart alone.

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Product & fee information

Checking accounts are subject to approval, documentation, and minimum balance or opening-deposit requirements. Features, benefits, and fees are not guaranteed and can change. Debit cards are issued by Sky International Private Bank or a licensed affiliate; see your card and deposit agreements for current terms, limits, and liability rules. This page is a summary, not a contract. View fee schedule & disclosures

Checking account FAQs

Quick answers about comparing and opening a Sky checking account. For account-specific terms, your deposit agreement and fee schedule control.

How do I open a checking account?

Start a guided application from this page or our checking overview, sign in when asked, and complete identity and funding steps. You can also call Private Client Service at +1 317-552-0423 to begin with a banker.

How do I avoid overdrawing my checking account?

Set balance and transaction alerts in online banking, review posting times for debits, and use optional overdraft settings and transfers from linked accounts if available on your product. Your disclosures describe overdraft and returned-item fees.

What is relationship checking at Sky?

Relationship checking ties your everyday account to a named private banking structure—clear fees, coordinated service, and benefits that can scale with balances and activity. This page helps you see how different checking products differ before you apply.

Can I open more than one of these accounts?

You may hold multiple deposit accounts if your relationship profile and product rules allow. Your banker can confirm whether a second checking product adds value or whether a different mix (e.g. savings or money market) is a better fit.

How do I know which product is right for me?

Use the fee and feature sections on each card to match spend, travel, rewards, and balance needs. If you are unsure, Private Client Service or your banker can map features to your cash flow and fee-waiver options before you fund the account.

When will I receive a debit card?

After approval, personalized cards often arrive in 7–10 business days. Digital wallet provisioning may be available sooner where your device and product support it. Delivery timing can vary by region and mail carrier.

How are monthly or service fees handled?

Each product has its own schedule of fees and waiver paths—for example balance thresholds, direct deposit, or combined relationship balances. The exact mix that applies to you is confirmed during application and in your account agreement.

Can I switch to a different checking product later?

In many cases, product changes or upgrades are available within Sky’s private banking program, subject to eligibility, documentation, and any promotional rules in effect. Ask your banker or Private Client Service about the process and timing.

Where can I get more help or disclosures?

Use Contact us for general questions, or the help center for broader banking topics. Regulatory disclosures and fee schedules are provided at account opening and in our disclosures library.

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