Account Tools and Services

Debit Cards

For Your Purchasing Protection

Your Skyline National Bank debit card offers you the latest technology to protect your purchases – chip cards.
The chip card is smarter, has greater acceptance around the world, and best of all offers new defenses against fraud and counterfeiting.

In addition to the traditional magnetic strip located on the back of many cards today, these cards also include a computer chip. And when used at a chip-enabled terminal, the chip and the reader interact with each other, validating the card and securing the transaction with a one-time code.

Your chip card is easy to use. Simply start the payment process by swiping your card. If the terminal is chip enabled, you'll be prompted to insert the card. Chip-enabled terminals include a slot for inserting your card. Insert your card, face up, chip end first. Leave your card inserted during the entire transaction, so the chip and the terminal can securely complete the transaction. Just follow the onscreen instructions and either sign your name or enter your PIN. Once your purchase is completed, remove your card and take your receipt.

For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. These new chip cards do not change how you currently make payments or purchases online or by telephone.

Your Skyline National Bank chip debit cards: Made smarter to protect your purchases!

To learn more, visit our Skyline Services Tutorials page for a video demo of this service.

uChoose Rewards®

The loyalty program that rewards you when you shop. Simply register your Skyline National Bank debit card and get started earning points. It's that easy! Click here to learn more. 

Mobile Wallet

Paying in stores has never been easier or more secure because your Skyline National Bank debit card is now compatible with Mobile Wallet services! Mobile Wallets – such as Apple Pay or Google Pay – are a digital version of your traditional wallet, that securely stores your debit card information, right on your phone. Now, you can shop without your wallet….just be sure to carry your phone!

When you pay in stores using Mobile Wallet services, your mobile device sends a unique, one-time passcode to the merchant’s terminal to make your purchase.

Your Skyline National Bank debit card in your Mobile Wallet. It’s just that simple, and that convenient!


Customers with a good relationship at Skyline National Bank have overdraft privilege available to them. Amounts consist of a $700 overdraft privilege for consumer accounts and $1,500 for commercial accounts. This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to the previous listed amounts (based on the overdrawn account type) after first subtracting the amount of the overdraft fee(s).

The Discretionary Overdraft Privilege is available for checks and ACH transactions. The amount of Discretionary Overdraft Privilege will not be shown in your available balance, but it may be available to you for ATM cash withdrawals, telephone and Internet banking and when you use your debit card for purchases at retail merchants.

Should an overdraft occur, your account will be charged the standard NSF fee of $35 for handling each item even if paid by the discretionary overdraft privilege. This is the same fee that Skyline National Bank charges for items drawn against insufficient funds and returned to the payee.

If multiple items are presented against your account on the same day, each item will be assessed the NSF fee. This service is offered as an additional benefit of doing business with Skyline National Bank. It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for the confidence you have placed in Skyline National Bank by entrusting us with your financial relationship.

Please note that Overdraft Privilege is not a line of credit and Skyline National Bank is not obligated to pay any item presented for payment if your account does not remain in good standing.

Both consumer and commercial customers may opt out of the Overdraft Privilege services for check, ACH and debit card bill payment transactions at any time by contacting our Skyline Support team at 1-866-773-2811 or

Overdraft Protection Service

Avoiding overdrafts is easy at Skyline National Bank. You can link your checking account to another one of your other deposit accounts to create an automatic transfer. If you overdraw your checking account, we automatically transfer funds from your linked deposit account to your checking account. There is a $10 fee for each transfer, and transfers are made in $50 increments. So, if you have overdrawn your checking account by $80, and you have Overdraft Protection Service set up with your savings account, you will automatically have a $100 transfer made into your checking account and be charged $10 for this service (since one transfer was made – in increments of $50 – to cover an $80 overdraft). This transfer prevents you from overdrawing your checking account and you will not incur a $35 NSF charge.


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