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Dividend Checking

Expect more. Get more.

With unlimited transactions, Dividend Checking provides all the convenience you want for your everyday banking letting you pay bills, make purchases, transfer funds and get paid faster with direct deposit.1 You also have 24/7 access to your account through online banking or our mobile banking app.2

Dividend Checking does everything you need it to. Plus, your money isn't sitting idly by...it's earning a monthly dividend, with higher rates for higher balances.

Opening an account is easy! You can apply online in just a few minutes.

 

Checking that pays

Rates accurate as of September 28, 2022
APY* as high as
0.11%
Minimum to earn APY
$25,000

Tiered rates: earn a higher rate for higher balances

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Here's the scoop on Dividend Checking

Dividend Checking gives you more of what you really want....convenient, drama-free access to your money while also earning dividends.

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Earn a return

Put your money to work for you! The higher the balance, the more you earn.

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Convenient

Make purchases, write checks, transfer funds, withdraw cash and more!

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Online and mobile banking

24/7 access! Pay bills, deposit checks, manage your accounts. Anytime, anywhere

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Access to 32,000+ ATMs nationwide

The MoneyPass Network offers surcharge-free ATMs throughout the U.S.

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Everything you need from a checking account ... and more!

  1. Earn a dividend
  2. Direct deposit and ACH options
  3. Online and mobile banking
  4. Monthly service charge waived with $250 minimum daily balance
  5. Free overdraft transfers

 

Don't take our word for it. Here's what our members say:

"I have been a member for over 30 years. Solarity has helped me buy cars, property and save for my childrens’ college!"

-Joanne M., member since 1982

"I have been with Solarity for more than twenty years and have always been very happy with the service and support I have received. From vehicle loans to handling my mortgage, I have always experienced exceptional service."

-Mitchel G., member since 1996

Compare checking accounts

If you prefer no monthly service charge, you'll like Free Checking. If you plan to maintain a higher balance and would like to earn a dividend in the process, Dividend Checking might be the way to go. Either way, we've got you covered, with automatic enrollment in Courtesy Pay.3 If your checking account doesn't have enough available funds, Courtesy Pay covers checks, recurring payments tied to your checking account number and bill payments scheduled in online banking or the mobile app.

Checking ProductsFree CheckingDividend Checking
Annual Percentage Yield (APY)N/ASee today's rates
Minimum balance to earn APYN/A$250
Minimum opening deposit$50$100
Monthly service chargeN/A$6
Minimum balance to avoid monthly service chargeN/A$250

 

Both checking accounts include:

  • Unlimited transactions
  • Online banking and mobile app
  • Free overdraft transfers
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Ready to open a Dividend Checking account?

We make opening your account FAST and EASY! There are three simple ways to get started:

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Online

It only takes a few minutes to fill out and submit the online application form.

Let's do it!
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By phone

Reach our friendly team members at 800.347.9222 during our normal business hours. We'll explain the products and get you ready to open your new account.

Call now
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At a branch

Stop by any of our local branches and speak with one of our helpful Experience Guides.

See locations

 

Common questions about checking accounts

Click on the “Open an Account” button.

Once you’ve selected the type of account you’d like to open, the application will walk you through what's needed to complete the process.

If you need assistance, call us at 800.347.9222 or chat with us online. We'll be happy to help.

Members are able to withdraw $1,500 in cash each day from an ATM and can withdraw up to $5,000 in cash per day from one of our locations.

If you would like to withdraw more than $5,000 in cash, please give us a call at 800.347.9222 so we can ensure cash availability.

Find An ATM

Follow the steps below to deposit your check using mobile deposit:

  1. On the Accounts screen, click the Quick Menu icon located in the bottom right corner.
  2. Click Mobile Deposit.
  3. Use the Choose Account drop-down to select the account where you want to deposit the money.
  4. In the Amount box, enter the amount you want to deposit.
  5. Take a picture of the front and back of your check and follow the on-screen instruction to upload the photos.
  6. Click Submit to complete the mobile deposit.

Download our app in the App Store or Google Play store.

 

 

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Annual Percentage Yield (APY) accurate as of date shown and subject to change. Fees may reduce earnings.

 

Early access to direct deposit funds is not guaranteed. It is subject to the payer and the timing of the payer's submission of the payment file. We generally make these funds available on the day they are received, which may be up to 2 days earlier than the scheduled payment date.

 

Message and data rates may apply depending on your cell phone plan. Please contact your wireless carrier for more information.

 

Solarity will charge a fee of up to $33 each time it pays an overdraft. All rates and fees may be subject to change. Accounts upon approval. 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 due immediately and payable upon demand. If payment is not made within 20 days, Courtesy Pay may be suspended and collection efforts will continue. This fee may be imposed for overdrafts created by checks, ATM withdrawals, debit card transactions or by other electronic means, as applicable.