Digital Services

Online Banking and Our App
Check your balance, transfer funds, make a payment, and send funds.
Free
Mobile Deposit
Deposit your checks easily from your phone using the app.
Free
Overdraft Transfers
Funds automatically transfer from a selected savings account or line of credit to cover any negative balance that may occur within a selected checking account.
Free
Card Controls
Turn your card off instantly and then turn it back on again easily from the app.
Free
Person-To-Person (P2P) Payments
Send funds to friends and family instantly through PayPal, directly from the app.
Free
Bill Pay
Make one time payments, schedule recurring payments, and set up payees to pay your bills securely and easily.
Free
ATM Network
Access to over 23,000 ATMs across the US. To find an ATM in network near you, visit solaritycu.org/atm.
Free
Online Loan Payments
Make your Solarity loan payment online at solaritycu.org/payments with your card or directly from another account.
Free

Account Services

Assisted Transactions**
Any transaction facilitated by a member of our staff. This fee is applied to any transaction above the allotted two free per month. Account holders under 18 and members with a membership prior to 10.1.11 are exempt. Members with loans or an average monthly balance greater than $200 are also exempt.

How to avoid this fee: Enroll in digital services to conduct transactions or maintain a monthly average balance of $200 in your account.
2 free assisted transactions per month
$2 per assisted transaction after 2 free
Courtesy Pay* **
Overdraft service that allows us to cover your insufficient funds item up to an approved limit on a debit card purchase, ATM withdrawal, checks and ACH transactions.

How to avoid this fee: set up overdraft protection to transfer funds from your savings account(s). Transfers from a savings account are free.
$28
Non-Sufficient Funds**
Any item that is returned unpaid.

How to avoid this fee: set up overdraft protection to transfer funds from your savings account(s). Transfers from a savings account are free.
$28
Incoming/Outgoing Wires
Electronic transfer of funds from one person to another.
$5 incoming
$25 outgoing
Replacement of Debit or Credit Card
Replacement for damaged or missing cards. Instant issue cards are available at our locations.
First replacement is free
$15 each additional replacement
$40 for expedited mail delivery
Temporary Checks
Interim checks until box of checks is available or for members who rarely use checks.
$4 each (page of 4)
Teller Checks**
Cost of processing funds to be directly pulled from the account and presented in the form of a check.
1 free check per month
$5 per additional check
Box of Checks
Cost of checks vary by type and customization of check type.
Costs vary based on customization
Low Balance
A minimum balance is required for Savings, Money Market and Dividend Checking accounts.

How to avoid the fee: Maintain minimum balance required for the account.
$3 for Savings
$6 for Dividend Checking
$10 for Money Market

Statements

eStatements
eStatements can be securely stored for up to 12 months and accessed through online banking.
Free
Paper Statements**
Members with an account prior to 10.1.11 may receive paper statements at no cost. Members with auto loans, mortgage loans, credit cards, home equity lines of credit, or a balance greater than $200 also receive paper statements at no cost. Fee waived for primary account holders under 18.

How to avoid this fee: Sign up for eStatements.
$4 each

Special Requests

Signature Guarantee (Medallion)**
Certification stamp which guarantees that the signature authorizing the transfer of securities is authentic.
$25
Stop Payment
An authorized withholding of payment on one check or a series of up to 25 consecutively numbered checks.
$25
Print Out of Account Inquiry/Check/Statement Copy
Printed copies of member account information upon request.

How to avoid this fee: Sign up for eStatements and print off copies from home.
$1 per page
Research, Document Recovery, Account Reconciliation
Charge for employee’s time to manually review records and provide documentation. Minimum of one hour charged.
$25 per hour

Processing Fees

Express Loan Payments by Phone from Another Financial Institution
Manual process of accepting payment from another financial institution.

How to avoid this fee: Make your Solarity loan payment online using a card at solaritycu.org/payments
$10 each
Returned Deposited/Cashed Item
A check that has been returned to the depositor because it could not be processed against the check originator’s account. Reasons can include insufficient funds, stop payment, closed account, etc.
$20 per item
Collection/Processing- Foreign or Domestic Negotiable Items
Collecting funds and working with international requirements.
$20 flat fee
Processing of Legal Orders, Garnerships, Levies, Subpoenas
Processing funds according to the government or court’s directive.
$75 flat fee

*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. There is no limit to the total fees that can be charged per account. Eligibility is at the discretion of the Credit Union. A request to “Opt-in” for Courtesy Pay will be required for Point of Sale or ATM debits. Repayment of overdraft balance and fees are payable upon demand. If payment is not made within 20 days, Courtesy Pay may be suspended. This fee may be imposed for overdrafts created by checks, ATM withdrawals, debit card transactions or by other electronic means, as applicable.

**Fee updates effective as of June 1, 2018

All rates and 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 and Explanation of Overdraft Services. Revised March 16, 2018.

Consumer Fees: Non-Member Fees and Discontinued Products