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Growing your savings account should feel encouraging and doable. Saving with Solarity is all about small steps that fit your real life. No strict budgets. No giving up every joy. Just simple moves that help you keep more of what you earn and build a cushion that feels good.

With a few smart habits and the right account, your balance can climb faster than you expect. These tips can help you build momentum and enjoy the journey as you grow your savings with confidence.

Here are practical steps to help you save more with less effort.

Set up automatic transfers

Saving becomes easier when it runs on autopilot. Set an automatic transfer from checking to your savings account on payday. You pay yourself first before the money can slip away into everyday spending.

Start with an amount that feels light. It could be $10, $25 or a small percent of your paycheck. As you get used to it, you can increase it. The key is consistency.

In Solarity's online banking and mobile app, you can set it once and let it roll. Your savings grows in the background while you focus on what matters to you.

Cut one regular cost at a time

Saving does not require a total lifestyle makeover. A simple way to free up money is to trim one cost at a time rather than slashing everything at once. This keeps your routine feeling normal while your savings gets a boost.

Here are a few easy swaps:

• Make one meal a week at home instead of ordering in
• Try store brand items for products you do not feel loyal to
• Review subscriptions and keep only those you use often

Any money you save from these tweaks goes into your savings account. Even small cuts like $5 or $10 a week add up over time.

Use separate accounts for different goals

When all your savings sits in one pile, it can be hard to track progress. It also makes it tempting to use the money for something other than what you planned. Creating separate savings accounts for each goal brings clarity and control.

You might set up a few buckets such as:

• Emergency fund for unexpected needs
• Vacation or weekend getaway fund
• Car care and insurance fund
• Holiday gifts fund

With Solarity you can open more than one savings account and name each one so you always know what you are building toward. Seeing growth in each bucket can boost motivation and make saving feel more rewarding.

Choose an account that rewards your saving habits

Savings accounts are not all built the same. Finding one that fits your needs can help your money grow with less effort. A good savings account keeps your money accessible while offering security and growth potential. At Solarity, you can open a traditional savings account with just $5 and start building from there.

If you want to unlock even more earning power, Solarity offers a Bonus Savings account designed to reward everyday spending habits. To qualify for the highest rate, you need to:

• Enroll in eStatements
• Link your Bonus Savings to a Solarity checking account
• Make 20 or more debit card purchases each month that post and settle

When you meet those monthly requirements, you earn a higher dividend rate on the first portion of your balance. If you don’t meet them that month, no worries — your account still earns a base dividend. There’s no monthly service fee, and it only takes $5 to open.

It’s a rewarding way to save on autopilot while using your debit card like you normally would.

Use certificates and money market accounts to grow your balance

As your savings grows, you may want to explore options that can earn even more over time. Certificates and money market accounts can be great tools to boost your balance and reach goals faster.

A certificate is a smart choice when you know you will not need the money right away. You choose a term and lock in your rate for that period. Certificates often offer higher returns than a standard savings account. They are a simple set-it-and-forget-it way to build savings for medium-term goals.

A money market account gives you a chance to earn a competitive rate while keeping access to your funds. It can be a helpful middle ground between a savings account and a certificate account. You earn more on your balance and keep your money within reach for bigger planned expenses.

Solarity offers both certificates and money market accounts so you can choose what fits your savings style. You can even mix and match. Keep everyday savings in a regular account, set aside mid term savings in a certificate and use a money market account for larger goals that need a little more earning power.

Set a plan for extra income

Money that falls outside your usual paycheck is a great chance to grow your savings. This includes tax refunds, birthday cash, performance bonuses or a side gig payment. Planning ahead helps you use these funds in a way that supports your goals.

Before the money arrives, decide how much you want to save. A popular approach is to save half and spend half. You get to enjoy something now, and future you gets a stronger financial safety net.

If you want to build savings faster, choose a higher percent for saving. Even setting aside a quarter of that extra cash can create a nice bump in your balance.

Check your progress once a month

Tracking your progress helps you stay on course but it does not need to be complicated. Set a quick monthly check in to review your savings. Look at how much your balance has grown and note what worked well.

Small wins are worth celebrating. When you see your money grow, it reminds you that each small choice matters and that your effort is paying off.

Solarity's online banking and mobile app make it easy to check your balance and move money in seconds. A quick peek once a month helps you stay motivated and in control.

Keep your goals visible

Reminders help keep savings top of mind. When your goal is easy to see, it is easier to choose saving over spending in daily decisions. Use small visual cues that make you smile and keep you moving forward.

Try one of these simple reminders:

• Rename your savings account with the goal you are working toward
• Add a note on your fridge, mirror or laptop
• Set a monthly phone reminder to check progress

When you see your goal regularly, it becomes real and reachable. Those small reminders help you stay focused and keep positive momentum.

Keep your savings protected but easy to reach

A solid savings plan needs both safety and access. You want your money separate from daily spending so it stays put yet easy to reach if you truly need it. That balance gives you peace of mind.

A savings account at Solarity helps protect your money while keeping it ready for real-life moments. An unexpected car repair, a medical bill or a sudden need should not turn into stress. Your savings can step in and steady the moment.

Start your savings journey with confidence

Saving does not need to feel difficult. A few easy habits combined with the right account can help you build a strong foundation for the future. Solarity offers tools and savings accounts that make saving feel rewarding and simple.

Explore Solarity savings accounts including the Bonus Savings account and choose the one that fits your goals. Your future self will be glad you took the first step today.