Disclosures
Transparent, detailed documentation covering SkyFi treasury operations, banking services, and your rights as an account holder.
Bank Relationship
SkyFi role as a financial technology company and Grasshopper Bank role as the banking services provider, including FDIC insurance coverage.
ACH Processing
ACH processing details, timing, cutoffs, NACHA rules, same-day ACH capabilities, and error resolution procedures.
Saved Payment Methods
How saving a bank account for future payments works, including authorization limits, security, and Plaid verification.
Intrabank Transfers
Intrabank transfers, instant settlement, reconciliation processes, limits, and restrictions within the SkyFi network.
Wire Transfers
Domestic wire transfer procedures, Fedwire details, processing times, cutoffs, fees, irrevocability, and fraud prevention.
Privacy Policy
How SkyFi collects, uses, stores, and protects your personal and financial information, and your rights as a data subject.
USA PATRIOT Act
Customer identification requirements, beneficial ownership rules, and AML compliance obligations under federal law.
Terms and Conditions
The terms governing your access and use of the SkyFi platform, including permitted use, liability, and dispute resolution.
Master Service Agreement
Full banking agreement with Grasshopper Bank, N.A. covering deposit accounts, funds availability, EFT, RDC, bill pay, and card services.
Regulated & Specialized Activities
Grasshopper Bank guidelines for business activities that require tailored due diligence, including financial services, non-profits, and age-restricted offerings.
Banking services provided by Grasshopper Bank, N.A., Member FDIC. Deposit accounts and regulated banking services are not provided by SkyFi. SkyFi is a financial technology company, not a bank.