Support
Help center
Guides and answers for everyday banking with SAT. If you still need a hand, our team is here 24/7.
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Send a message, call, or email — every channel that reaches SAT support in one place.
Contact pageReport fraud
See a charge you don’t recognize or someone is asking for your PIN? Freeze your card and report it right away.
Fraud procedureComplaints
Not satisfied with how we handled something? Here is how to escalate — including your right to contact the OCC.
Complaint optionsFrequently asked questions
Is SAT a real bank?
Skye Allied Trust Bank, N.A. is a national bank chartered by the Office of the Comptroller of the Currency (OCC) and a Member FDIC. Deposit accounts, debit cards and transfers are provided by Skye Allied Trust Bank, N.A.
Is my money FDIC insured?
Yes. Deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Deposits above that limit are not insured. Coverage is automatic—there is nothing you need to do.
What do I need to open an account?
You'll need to be at least 18, a U.S. resident and have a Social Security number or ITIN, a government-issued photo ID and a U.S. address. There's no credit check and no minimum opening deposit.
Are there any monthly fees?
No. SAT Checking and SAT Savings have $0 monthly maintenance fees and no minimum balance. There are no overdraft fees, no ATM fees at 55,000+ in-network ATMs and no foreign transaction fees on your debit card.
How long does it take to get my debit card?
Your virtual card is available in the app as soon as your account is approved. Your physical Visa® debit card ships within 1–2 business days and usually arrives in 5–7 business days.
How do I contact support?
Our support team is available 24/7. Call 1-800-240-1000 or email info@skyealliedtrust.com. You can also send a secure message from your account once you're signed in.