Item description

Fee details and tips on how to avoid them

Courtesy Pay*/NSF/Overdraft

Set up overdraft transfers from your funds in your savings account(s). Transfers from a savings account are FREE. Transfers may also be set up from your Solarity VISA® card. Interest charges apply. See your VISA and membership account agreement for details.

$25 per item

Stop Payment

$25 per item or up to a series of 25 items

Temporary Checks

Conveniently order checks online when you get down to the last series in your box. This fee is waived for new accounts open less than 30 days.

$4 each- page of 4

Printed Checks

Sign up for free Online Banking with free Bill Payment service. Use your Solarity Debit card at merchants, online and at the ATM to save time and money by cutting down on the number of checks you need. Seniors over 62 may be reimbursed for one box of checks every 12 months.

At your expense- Including postage for delivery and costs charged by the vendor

Low Balance Fee

Keep your balance above the minimum requirements.

$3 for Savings
$10 for Money Market
$6 for Dividend Checking

Account Statement Fee–paper statements only

Enroll in free Online Banking and sign up for free estatements. Fee waived for primary account holders under 18. Fee does not apply to loan holders.

$5 quarterly**
$1 monthly***

Inactivity Fee

Use your Solarity accounts once a year.

$5 per quarter after 12 months without transaction activity.

Print out of Account Inquiry/Check/ Statement Copy Fee

Enroll in free Online Banking and sign up for free estatements. Statements are available online for up to 12 months. Check images are available for up to 24 months.

$1 per page

Teller Checks

Open a checking account and receive your paycheck through direct deposit. Sign up for free Online Banking with free Bill Payment service. Use your Solarity Debit card at merchants, online and at the ATM to save time and money.

$1 each

Check Cashing Fee

Have an aggregate, average savings deposit balance above $250 at time of check presentment or have an active Solarity checking account (deposit of at least $500 in the last 30 days) or have an open loan with us. Fee waived for primary account holders under 18.

$10

Returned Deposited/Cashed Item

$20

Collection/Processing – Foreign or Domestic Negotiable Items

$20

Incoming/Outgoing Wires

Domestic wires available only. Visit solaritycu.org for additional options for foreign wires.

$5 incoming, $25 outgoing

Research, Document Recovery, Account Reconciliation

Enroll in free Online Banking and sign up for free estatements. Statements are available online for up to 12 months. Check images are available for up to 24 months.

$25 per hour with minimum of one hour charged

Processing of Legal Orders Garnishments/Levies/Subpoenas

$75

Solarity-Owned ATM Fee (A non-member fee)

Join Solarity Credit Union. Use your Solarity issued Debit or ATM card or cards issued by other financial institutions within our network.

$2.50 per transaction

Replacement Debit or Credit Card

The first replacement card is on us.

$15 each

Expedited Delivery of your Solarity Debit or Credit Card

$40 each

Express Loan Payments by phone from another Financial Institution

Open a Solarity checking account with free Online Banking and transfer your loan payment within your account free of charge.

$10 each

Annual IRA Service Fee

Consider a consultation with our colleagues at Members Financial Services to review your retirement and investment needs.

$20 each January from your share account associated with the IRA

Safe Deposit Box

Rent will be withdrawn yearly from an account you designate. Boxes are available at the North 5th Avenue and Ellensburg locations only.

Size - Fee
3x5 - $30
3x10 - $60
5x10 - $90
10x10 - $175

Key Replacement

$30 each

Box Drilling Fee

$200

TRANSACTION LIMITATIONS

As set forth in Federal Regulation D, Primary Savings account, Sub‐savings account, Money Market Advantage & Money Market Advantage Plus account transaction limitations will apply. No more than six (6) transfers by check or debit purchase, preauthorized, automatic, online banking, telephonic, or audio response transfers to another account or to a third party during any calendar month. If you exceed these limitations, your accounts maybe subject to fees or account closure and transactions may not be honored.

* Must be at least 18 years old and not past due on any Credit Union obligation. New Checking accounts opened 30 days or less may have a $100 limit including fees. Accounts opened longer than 30 days may receive up to $550.00, including fees. Eligibility is at the discretion of the Credit Union. A request to “Opt-In” for CourtesyPay will be required for Point of Sale (POS) or ATM debits. There is no limit to the total fees that can be charged per account. Repayment of overdraft balance and fees are payable upon demand. If payment is not made within 20 days, CourtesyPay may be suspended. The fee may be imposed for overdrafts created by checks, ATM withdrawals, Debit card transactions or by other electronic means, as applicable.

** Effective for shared accounts opened after 03/01/2015.

*** Effective for checking accounts opened after 03/01/2015.

All rates & fees may be subject to change. Accounts upon approval. For a complete list of account terms and conditions refer to the Membership and Account Agreement, which can be found at solaritycu.org.

After January 1, 2015, new IRA accounts will not be opened and HSA accounts will no longer be offered.

Contact
Website: solaritycu.org • Email us at: solarity@solaritycu.org
Mailing Address: P.O. Box 2922, Yakima, WA 98907
Contact us at: 509.248.1720, or toll-free at 800.347.9222

Rev December 3, 2015.