If you want a money management system without dealing with any traditional banking hurdles, then you may need to know about the Skylight ONE Card. I almost manage all my money dealings like a bank does but without a bank actually. My Skylight ONE Card lets me deal with every kind of money transaction without any paper checks or going into a bank counter. I chose this Netspend issued Card to get rid of the banking hurdles as I find myself too busy to deal with paperwork. Skylight ONE Card is a Netspend prepaid Debit Card that the FDIC member banks issue to people who have neither bank accounts nor are interested to deal with.
To me, Skylight ONE Card is a perfectly safe and convenient alternative to cash and check systems. Anyone can open a Skylight ONE Card account by submitting some eligibility papers and then Skylight delivers the debit cards to the eligible customers. I got the Skylight ONE Visa Prepaid Card but they also offer Skylight ONE MasterCard to the customers. Remember that it’s not a credit card, rather it’s a prepaid debit card and you can have one if you have any previous bad credit score. It’s exciting to share with you how to withdraw money from my Skylight Card for free of charge. I am going to share my experience with Skylight ONE Card so that you can get knowledge on this card.
How do I withdraw money from my Skylight ONE Card for free?
Since Skylight ONE Card is accessible to any ATMs that support Visa or MasterCard you can withdraw money from there with many of them charge fees. But still, there are ways to withdraw money from Skylight ONE Card for free. Like ATM withdrawal or transactions from the Allpoint networks are surcharge-free. The Allpoint network gives you access to withdraw money From Skylight Card for free of charge at over 38,000 ATMs in the country. Over 50,000 ATMs worldwide are also surcharge-free. You can find the Allpoint ATM locations online. Just download the Allpoint app on your smartphone and there you will find the list of ATM locations countrywide. The app works on both android and iOS phones. You can also track surcharge-free ATM locations by visiting https://www.allpointnetwork.com/#where or https://www.netspend.com/skylightone. There is a customer care number on the back of your card. You can also call the number to hear the list of ATM locations.
Since Skylight provides Visa and MasterCard to the users, the member banks of these cards allow Over-the-Counter withdrawals without any service or other fee. You can ask the teller at the counter for cash in advance. Furthermore, you can get rewards while purchasing at retail shops, restaurants, and online stores. From the app or the Skylight online portal, you will see the payback rewards option where there should be available offers to get rewards. The more you use your Skylight card the more you will get listed reward offers. You should ask the cashier for the cash rewards and use the PIN pad to inform them of the cashback.
Skylight One Card check system is another fascinating feature to withdraw all of your money for free of charge. Here you can write your own paycheck and withdraw cash from your Skylight account at any domestic branch and the ACE Cash Express locations. You can get 2 checks with the new account opening but you can call and ask customer care for further requirements.
Skylight Card Withdraw Money Limitations
You can deposit your money into the Skylight ONE Card account and then withdraw money from any ATMs around the country. Besides, you can transfer money, withdraw from the Skylight Card bank counter, pay bills for free, make purchases and pay the amount online and many other features. If you ask about withdrawal from ATMs then you must keep in mind that you can withdraw a certain amount in a day.
Your Skylight ONE Debit Card can help you to withdraw a maximum of $1000 on a day. But you can withdraw a maximum of 325 dollars each time. You cannot exceed the six times withdrawal limit which means you can enter your card for 6 times maximum. But this limit varies over ATMs as some ATM owners have the limit lower than others. The calendar day counting starts from 3.31 PM eastern time and ends at 3.30 PM eastern time. Try to enter the correct PIN each time as entering an incorrect PIN for excessive time may result in holding your card from delivering to your hands.
Now, if you go for an over-the-counter counter (OTC) cash withdrawal, then the limit goes up to $5000 on each transaction. The counter will give you this amount as maximum withdrawal.
Skylight PayOptions Program
The Skylight PayOptions program lets the user deposit money into the card that is insured from FDIC and the user can get access the card anytime through ATM and bank counter to withdraw money and pay while purchasing. The program offers Skylight ONE Prepaid Debit Card which comes as both MasterCard and Visa Debit Card. You can withdraw cash from any ATMs in the world that accepts Visa or MasterCard. Skylight check is another option that allows you to withdraw your wages from any ATMs across the country and around the world that accepts Visa or MasterCard. You can also withdraw money through over-the-counter from any Visa or MasterCard supporting bank. The surcharge-free ATM withdrawal feature lets you withdraw all of your wages by 8 am CT. There are no other charges as well so that you can withdraw or transfer money form Skylight Card for free but of course by avoiding checks.
Way to transfer money from a Skylight ONE Card to a bank account
Skylight ONE Card is a prepaid debit card and you can use it to transfer money like other cards. It’s fast and convenient. You can use it as a universal card which you can use at any ATM in the world. It’s also affordable, flexible, and last but not the least secure. You have several bank transfer options to choose anyone suitable for you. You have to follow the specific steps as Netspend cards don’t allow direct transfers to other bank accounts. So, I am mentioning 3 ways to transfer money from a Skylight ONE Card to a bank account.
i) Use a third-party platform
Since you can’t transfer money directly to a bank account, you have to use a third-party medium that helps you to execute the transfer process. PayPal is a third-party platform that I use to transfer money from Skylight ONE Card to my bank account. It’s a 2 step process. First, you have to link your Skylight ONE Card to PayPal and then again link PayPal to the bank account you want to transfer the funds. First, you have to send money to the PayPal account and then transfer that money to your bank account.
First, follow these steps to add your Skylight ONE Card to PayPal
- Go to the site of Skylight ONE Card or login to the Skylight ONE Card app from your smartphone.
- Find the wallet option.
- Here you will see the “Add a Card option” below the Debit and Credit Cards. Select it.
- Now select the Card type where you will see the card details options. Here submit the necessary details of your Skylight ONE Card.
- Select the Save option after finishing the procedures.
Hopefully, you finished linking your Skylight ONE Card to PayPal successfully. Now, it’s time to link your bank account to your PayPal account. Follow these steps to finish the linking process.
- Log into your PayPal account from the app or the website.
- Navigate to the Wallet option.
- Tap on the “Add a Card or Bank Account” option. Here select the “Add a Bank Account” as you are going to add your Bank account to your Paypal account.
- Now you have to fill out the required information of your Bank account. Enter the “Sort Code” as well as your Bank account number.
- Now, check again the information you submitted to see if they are correct. Then select “Agree” and add to finish linking the process.
Now after linking your Skylight ONE Card, PayPal, and Bank account together you can start transferring your money from your Skylight ONE Card to your Bank account. This process can take around 4 business days to get your money in your Bank account. There are other third-party platforms you can use instead of PayPal. Those are Google Pay, Cash App, Payoneer, or many others that you can rely on if your Skylight ONE Card supports.
ii) Withdraw at ATM and deposit to a bank account
This process is easy to understand but you have to do it physically. In one way you have to get to both the ATM booth and the respective bank counter. Another way lets you transfer money directly from the ATM booth to the bank account number. So, if you are a Skylight ONE Visa or MasterCard owner, then go to the nearby ATM booth and withdraw the amount you want to deposit again. Now carry the cash to the respective bank counter and ask the manager to help in depositing your cash. This is simple but physically hectic if you think so.
If you have the bank account and the routing number with you, then you can try sending the money directly from the ATM. Follow the steps below.
- Go to the nearby ATM that supports Visa or MasterCard that you have.
- Insert the card and look for the options on the screen.
- You will see the transfer funds option and press on it.
- Now you have to input your routing and account number to send money instantly to your bank account.
- Then enter the amount and confirm carefully.
This is the simplest way to transfer money directly from the ATM booth to the bank account number but you need to know the routing number.
iii) Over the counter
This is another way of transferring funds directly bank counter that supports your Skylight ONE Visa or MasterCard. The Over-the-counter system lets you withdraw money using your proper ID documentation. Visit the bank counter ask the responsible person to execute the process. After withdrawing the funds, the teller should deposit that into your bank account. To make it simple, my suggestion to you is to go to the bank where you have the account. It means to go to your account holder bank and they can do it more conveniently. And the process should be fast in that case.
Check Skylight Card balance and track the spending
Fortunately, it is possible to manage your money through Skylight. The automated phone service is available 24 hours a day, 7 days a week. You may check your balance online, visit skylightpaycard.com. Online Account Center is available any time either for checking balance, reviewing the transaction, or viewing the statement. Even you can sign up for getting a free alert that can alert schedule balance, deposit balance, and payments update. For the specific answer, you should contact Skylight customer service where you can get answers from trained agents from 6 AM-Midnight CT, Monday through Friday, and 8 AM to 8 PM CT, Saturday and Sunday. The customer service number is 1-888-606-9800, you will get this number back on your card.
Safety Tips for Skylight ONE Card
Safety of your Skylight ONE Visa or MasterCard means your card needs to be safe digitally. The account information, your financial data, and your PIN need to be safe as these digital pieces of information are valuable assets for your Skylight ONE Visa or MasterCard. Every one of us should know about the activities of hackers or internet criminals who always try to steal data to modify the account and the assets. One thing that should make you tension-free is that Skylight ONE Visa or MasterCard has FDIC insurance. If somehow the account or the company collapses financially, you still have a chance to get all of your money on your card. Now let me give you some tips that you still need to apply to avoid any exposure of your Skylight ONE Card information.
- Avoid using insecure Wi-Fi : Insecure Wi-Fi can help internet criminals to steal your money from the card by hacking your Skylight ONE Card. So it is always better to use private and reliable Wi-Fi. In that case, try to use your mobile data instead of public Wi-Fi when you are using the app in public places. These public WiFi’s are the tools for hackers to steal the information of your smartphone or laptop and apps on it.
- Keep your PIN secret : Your PIN and passwords are the most valuable information which needs maximum secrecy. You should not share your Skylight ONE Card PIN with anybody. Even your nearest relative should not know about it. If you find something suspicious regarding your PIN, then you should change it immediately.
- Report immediately after losing your Skylight ONE Card : This is important because if the card falls into the wrong hands, then something bad can happen to it. If you report to customer care immediately, then they should lock the card and save you from possible theft of your money. So reporting as early as possible might keep your Skylight ONE Card safe.
Can I request more than one card?
Yes, you can request another cardholder to your account. In that case, you will have the same account and the cardholder works under this account. Just call the customer care representative (find the number on the back of your card). You should ask to get an additional card. Another way is to log in to the Skylight account and fill out the application for the card.
Is the skylight One Card a Credit Card?
Skylight will typically issue the MasterCard or Visa-branded card, not a credit card. You can access your Skylight account using this debit card at many locations accepting MasterCard and Visa debit cards, as well as most ATMs worldwide. When you apply for the Skylight ONE Card, no matter your past credit rating, they will issue you the debit card. Don’t worry if you don’t have a bank account or are not familiar with the banking system anymore though it is possible to get the Skylight ONE Prepaid Debit Card. As it is a prepaid card, you have to load money on it before you go to withdraw money or pay bills.
How do I dispute a transaction once I have determined that it was not authorized?
If you believe your statement or receipt contains a mistake or if you need more information about a transfer on the statement or receipt, please call 1-888-606-9800 as soon as possible. Your response must come to them within 60 days of sending you the first statement containing the error or problem.
- Please provide your name and account number
- Give as much detail as you can about the error or transfer you believe is a problem.