Checking that works as hard as you do
Whether you’re looking for a simple way to manage your everyday finances, earn dividends, or help your teen learn the basics of banking, we offer a variety of checking accounts designed to fit your needs.
Each account comes with unlimited transactions, direct deposit and 24/7 access through online and mobile banking.* With options tailored for every stage of life, managing your money has never been more convenient.
Ready to get started? Open an account online in just minutes!
Free Checking
No monthly maintenance fees and no minimum balance. Just convenient access to your funds, whenever you need them.
Dividend Checking
An easy-to-manage account that pays monthly dividends. There’s no monthly service fee when you meet the minimum balance requirements.
Youth Checking
For children ages 12-17 wanting to get a head start down the path to financial independence.
Tap, pay and be on your way!
Checkout just got a lot easier. Solarity Visa® credit and debit cards feature Contactless pay. These cards are secure, make checkout faster and are accepted by most merchants. To use it, all you have to do is look, tap and go!
Contactless cards
- Visa® credit card
- Visa® debit card
- Fast, easy and secure
- Near real-time fraud notifications with Visa Purchase Alerts
Compare checking accounts
If you prefer no monthly service charge, you'll like Free Checking. If you plan to maintain a higher balance and want to earn a dividend in the process, Dividend Checking is the way to go.
| Checking Products | Free Checking | Dividend Checking |
|---|---|---|
| Annual Percentage Yield (APY) | N/A | See today's rates |
| Minimum balance to earn APY | N/A | $250 |
| Minimum opening deposit | $50 | $100 |
| Monthly service charge | N/A | $6 |
| Minimum balance to avoid monthly service charge | N/A | $250 |
Our members say it best
Common questions about checking accounts
Opening an account is easy! You can do it online in less than five minutes.
If you’re new to Solarity and wish to become a member, start here. If you’re already a member and would like to open additional accounts, start here.
You will need:
- Government issued ID/Drivers License/State ID or Passport
- Your complete physical and mailing address
- Social Security number
- Date of birth
Please allow one business day for us to process your account application. If you have any questions, please feel free to call us at 800.347.9222.
Follow the steps below to deposit your check using mobile deposit:
- On the Accounts screen, click the Quick Menu icon located in the bottom right corner.
- Click Mobile Deposit.
- Use the Choose Account drop-down to select the account where you want to deposit the money.
- In the Amount box, enter the amount you want to deposit.
- Take a picture of the front and back of your check and follow the on-screen instruction to upload the photos.
- Click Submit to complete the mobile deposit.
Download our app in the App Store or Google Play store.
Visa Purchase Alerts is an easy-to-use tool that helps members track spending and identify fraudulent activity early. Customize your alerts by choosing which debit or credit card transactions should trigger a notification and receive near real-time updates via text or email.
It only takes three steps to enroll in Visa Purchase Alerts:
1. Check to see if your Visa account is eligible.
2. Register your mobile device and/or email to receive Visa Purchase Alerts.
3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount and online or international purchases being made.
It only takes a few moments to enroll in online banking. You will need to have a valid email address on file and answer a few questions to verify your identity.
If a valid email address is not on file, give us a call at 800.347.9222, and we'll be happy to assist you.
Click here: Enroll In Online Banking
To add your Solarity Visa® to your mobile wallet, you will have the option to receive a one-time passcode via text or email. You can also select "Call Bank," which will route you to a Visa rep who will then assist you to verify your information and get your card activated in your wallet. For more information, visit our guide to setting up digital wallets.
Ready to open an account?
We make it FAST and EASY with three simple ways to get started:
Online
It only takes a few minutes to fill out and submit the online application form.
Take me there
Call
Talk to one of our friendly team members who can explain the products and get you ready to open your new account. Call 800.347.9222.
Make the call
At a branch
Stop by any of our local branches and speak with one of our helpful branch experts.
See locations
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Home Loans
When you're ready to buy your next home or refinance your current home, we'll help you find the perfect loan.
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Mobile App
24/7 banking in the palm of your hand! Pay bills, deposit checks, see your balance and more.
See more info
Auto, RV & ATV loans
From cars and trucks to trailers and boats, whatever drives you, we've got a loan for that!
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