Skylight PayOptions Program

Reduce payroll costs while increasing employee satisfaction with the Skylight® PayOptions™ Program. When you offer this electronic pay option, employees can choose to have their pay, or a portion of their pay, automatically deposited to a Skylight Account.

Employees have unparalleled access to their funds, with the ability to obtain their entire pay at no cost through multiple channels using their Skylight ONE® Prepaid MasterCard® or by cashing a Skylight Check.1

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Employer Benefits

  • Simplicity. The paycard program is as easy to set up as a new direct deposit account.
  • Cost Savings. Avoid the costs and hassles involved with lost or stolen employee paychecks, bank reconciliation of uncashed checks, and fraudulent checks.
  • Reliability. Natural disasters, severe weather, even holidays can interrupt or delay the timely delivery of paper paychecks to employees. Payments made with the Skylight PayOptions Program aren't affected by these events.
  • Employee Satisfaction. Your employees will enjoy convenient access to account information via phone, Web, and mobile2, as well as a rewards program3, budgeting tools, and bill payment.

Employee Benefits

  • Convenience. No more paychecks to pick up or cash. Employee pay is direct-deposited to their Skylight Account and available on payday.
  • Flexibility. The paycard can be used for purchases anywhere Debit MasterCard is accepted for purchases — at stores, restaurants, online — even for online bill pay with no fees4.
  • Affordability. Employees enjoy no monthly maintenance fees, free ATM withdrawals within the domestic Allpoint ATM network, plus no-fee PIN and signature purchase transactions5.
  • Security. When cash is lost, the money is gone. If employees lose their card, Skylight makes it easy to get a replacement card.
  • Rewards Programs. Employees enjoy a free cash back rewards program and earn cash back for making purchases with select merchants3.

1Skylight 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 a fee to cash Skylight Checks. See the Skylight Checks for step-by-step instructions.

2User must register for Account Center access and activate subscription to receive Anytime Alerts™. Skylight does not charge for this service, but the cardholder's wireless carrier may charge for messages or data.

3By activating and using a Skylight ONE Card, participation in the rewards program is automatically activated. The Cardholder may opt-out at any time by visiting the Rewards Summary Page at the online Account Center. The reward offers we choose and send are based on the Cardholders shopping habits. We will not share any personal information about the Cardholder with the merchants who sponsor offers. When the Cardholder activates an offer and makes a purchase with the card, the merchant will not know the Cardholder is a rewards program customer, but will become their customer. For more details about how and when the Cardholder gets rewarded, refer the Cardholder to the program FAQs, terms and conditions in the online Account Center. Cash back rewards are credited to the 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.

4In addition to a no cost option, employees may visit the Online Account Center for a range of options including expedited services available for a fee through third-party service providers.

5Please review Program Quick Start Guide, Cardholder Agreement, and Fee Schedule for complete details on the features and costs of the Skylight Program.

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.