Start Knowing Young (S.K.Y.) Youth Program was designed by youth, for youth. Sky FCU offers two accounts in this program, Youth Savings and Youth Cash Back ® Checking. This programs is designed to educate youth aged 14-17: on banking, incentivize good performance in school and give young members the ability to have a checking account when they have a job. For youth that doesn't have a job and would like to open a Youth Cash Back ® Checking an adult would be required on the account. To participate in the S.K.Y. youth program you must be eligible for Sky Federal Credit Union Membership.