Premium everyday banking with relationship-based service, higher limits, and spend controls plus digital tools and Private Client support when you want a person in the loop.
FDIC insured
Deposits insured up to applicable limits.
Bank-level security
Encryption, monitoring, and card controls.
Human support
Private Client Service when you need answers.
Clear disclosures
Fees, rates, and agreements in plain language.
Sky Private Checking layers premium service, higher card limits, and clear pricing on the same digital platform you use for the rest of your Sky relationship.
The Schedule of Fees states your monthly maintenance and waiver paths, including the combined qualifying balance option and any Private Client program waivers. Your disclosure package and banker confirm the fee that applies to you before you fund the account.
Use Sky-issued premium debit for domestic and international spend with controls in mobile and online banking. Partner ATM access and surcharge relief are disclosed by program; Private Client clients may receive higher per-day limits where eligible.
With qualifying direct deposit, you may receive eligible payroll and government payments up to two days early, based on payer timing. Funds availability, holds, and cutoffs follow the Funds Availability Policy in your disclosures.
Use this side-by-side snapshot to see how Private Checking is positioned for higher-touch relationships, next to Sky Access Checking for everyday banking. Not all features apply in every market—your product guide and banker have the final word.
| Sky Private Checking | Sky Access Checking | |
|---|---|---|
| Best for | Clients who want premium limits, program-based waivers, and coordinated private banking service | Clients who want a single clear monthly maintenance story with everyday digital tools and waiver paths |
| Monthly service (summary) | $0 with $25,000 combined qualifying balances, or $30.00 (additional waivers per Private Client program where offered) | $0 with qualifying direct deposit and activity, or a disclosed monthly amount—see Sky Access product guide |
| Positioning | Relationship-based premium checking | Access-focused, transparent monthly maintenance |
| Debit & digital | Contactless chip debit, mobile and online banking, alerts, and card controls; limits may vary by product | |
| Support | Private Client Service; Sky Private may include additional escalation and banker coverage by tier | |
Rates, fees, and features vary by product and jurisdiction. You will receive current disclosures before you sign. Compare the full range on the checking overview.
Your Sky Private Checking account sits alongside credit, cash management, and wealth relationships—so specialists can coordinate without making you retell the story.
The same institutional-grade tools as across Sky, tuned for a premium checking product and your relationship disclosure package.
Run Sky Private Checking in the same secure apps as the rest of your relationship: sign-in, move money, set card rules, and get alerts in line with the limits and options in your profile.
Sky Private Checking is primarily a transactional product; a related interest or money market account is often where we quote variable APYs. Ask your banker how Sky Private lines up with interest-bearing options in your program.
APYs are variable, may change at any time after account opening, and are accurate only as of the date printed on your Truth in Savings disclosure. Higher relationship tiers and combined balances may qualify for improved yields where offered.
You will receive the rate in effect on the business day your account is opened. Existing clients can view personalized tiers after signing in.
The authoritative source for your account is the Schedule of Fees delivered at opening. Below is a summary in plain language of categories clients ask about most often.
For Sky Private Checking, maintenance is $0.00 when you maintain $25,000 in combined qualifying deposit and investment balances, or $30.00 per month otherwise, unless another waiver applies for your Private Client tier. Your Schedule of Fees is the authority.
Where available, overdraft transfer from linked accounts or a disclosed overdraft line may help you avoid returned payments. Regulation E governs opt-in for certain ATM and one-time debit overdrafts—you choose what you want enabled.
Domestic and international wires, and certain expedited payment options, may carry disclosed fees. Private clients may receive fee allowances or preferred pricing based on relationship tier.
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.
Government-issued ID, Social Security or tax ID, proof of address, and initial funding per product minimums. International clients may provide additional KYC documentation.
Personalized cards typically arrive within 7–10 business days after account approval. Digital wallet provisioning may be available sooner where supported.
Yes—use bill pay, ACH transfers to external accounts, and wire options where enabled on your profile. Person-to-person transfer availability depends on the services activated for your relationship; your banker can enable eligible options and explain limits and cut-off times.
Meet the $25,000 combined qualifying deposit and investment balance (or other waiver in your Product Guide, such as Private Client program criteria). Otherwise the disclosed monthly amount applies. Your Schedule of Fees lists the exact test that applies in your case.
Eligible clients can apply online in a few minutes. If you are unsure about requirements or documentation, Private Client Service can help you before you begin.
Have your initial deposit and government-issued identification ready. Minimum opening amounts depend on the product you select, we will confirm details as you apply.
