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
Tiered rates: earn a higher rate for higher balances
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.
Earn a return
Put your money to work for you! The higher the balance, the more you earn.
Convenient
Make purchases, write checks, transfer funds, withdraw cash and more!
Online and mobile banking
24/7 access! Pay bills, deposit checks, manage your accounts. Anytime, anywhere
Access to 32,000+ ATMs nationwide
The MoneyPass Network offers surcharge-free ATMs throughout the U.S.
Everything you need from a checking account ... and more!
- Earn a dividend
- Direct deposit and ACH options
- Online and mobile banking
- Monthly service charge waived with $250 minimum daily balance
- 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!"
"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."
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 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 |
Both checking accounts include:
- Unlimited transactions
- Online banking and mobile app
- Free overdraft transfers
Ready to open a Dividend Checking account?
We make opening your account FAST and EASY! There are three simple ways to get started:
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
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:
- 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.
Get more from your membership
Mobile App
Manage your accounts anytime, anywhere from the palm of your hand. Pay bills, deposit checks and more!
Get the details
Credit Cards
Solarity Visa® gives you convenient access to your available credit with no annual fee or balance transfer fees.
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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.
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