Skip Your Next Loan Payment When You Open A New Checking Account.

Make the most of your St. Cloud Financial Credit Union membership when you open a checking account. This Skip-A-Pay offers are our way to show how much we appreciate you.

Added Bonus

How It Works

Skip your next month’s loan payment* by opening a St. Cloud Financial Credit Union checking account.

BONUS: Skip an additional loan payment** when you set up a recurring direct deposit of $1,000 or more per month.

You will receive an email confirmation after you open your new checking account and once St. Cloud Financial Credit Union verifies your eligibility and processes your skip request. Continue making your regular payment until you receive confirmation.

Frequently Asked Questions

Answers to the most common questions that you may have about these Skip-A-Pay offers, along with other important information.

Yes, after opening a Diamond Checking account and qualifying for the offer you can skip your next loan payment*. Your name is on both the loan and on the new checking account. Skip an additional loan payment** when you set up a recurring direct deposit of at least $1,000 or more per month.

Note: You must continue making your regular loan payment until you receive notice that St. Cloud Financial Credit Union has confirmed your Skip-A-Pay request. See full eligibility details in the disclosures below.

No. We do not perform a credit check for this promotional offer. This skip a payment offer is not considered a late or delinquent payment. You should have no adverse effect on your credit score.

  • Complete the application by clicking the Open Account button below,
  • Call (320) 281-9241 to speak with one of our representatives, or
  • Stop by a branch and one of our representatives will be able to assist you.

No, the standard $45 skip a payment fee is waived for eligible skips earned with this offer.

Yes, providing you request one at the time of account opening, you will receive a debit card for your new checking account within 7-10 business days.

You can easily sign up for online banking or download the mobile app anytime.

Click here to get started.

  • On your loan documents, or
  • In the welcome letter, which includes coupons with the member account number, or
  • Call (320) 252-2634, or
  • Visit a branch.

Yes. St. Cloud Financial Credit Union and our marketing partner take the security of your personal information seriously. Please review our privacy policy for details.
Business People

Need Further Assistance?

Give us a call at (320) 281-9241 or stop by one of our convenient branch locations.

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*To qualify for the first Skip-A-Pay offer: A $100.00 minimum deposit is required to open a Diamond checking account. The account must be opened in the loan holder’s name. **To qualify for the second Skip-A-Pay offer: The new checking account must have at least one qualifying monthly direct deposit of at least $1,000.00 within the first 60 days of the new checking open date. Direct payments must be made by a payroll provider or government benefit providers using the ACH network. Person-to-person payments (such as Zelle®) are not considered a direct deposit.


Both Skip-A-Pay offers are for one (1) Diamond Checking Account. The normal $45.00 fee is waived with these Skip-A-Pay offers. Offers subject to payment history. All St. Cloud Financial Credit Union loans must be current and in good standing. Interest and payment protection fees accrue during the Skip-A-Pay period and the skipped payment(s) will cause the loan to extend beyond the original maturity date. You may not be eligible for this program if you have already done one skip-a-pay or have had a hardship deferral. This offer is not available to existing St. Cloud Financial Credit Union checking account holders or members whose checking accounts have been closed within 90 days or closed with a negative balance. Account opening is based on approval.


IMPORTANT NOTE: You must continue to make your loan payment until we confirm your Skip-A-Pay has been processed. If St. Cloud Financial Credit Union has set up an automatic payment to your loan, the payment(s) for that month will be deferred. If you have set up a recurring payment through online or mobile banking or through a Bill Payment service, you will need to defer the payment(s) for the month. Offer expires 4/24/2026. Offer subject to change or end at any time without notice.