Checking that pays
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.
Dividend Checking rates
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 30,000+ ATMs nationwide
The Co-Op 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
Our members say it best:
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 branch experts.
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. We'll be happy to help.
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.
To activate your Solarity debit or credit card, call 833.233.1603 and follow the automated prompts. If you run into any issues or prefer in-person assistance, feel free to stop by your nearest Solarity branch. We're happy to help!
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
IRA Certificates
Enjoy the security of a guaranteed return and tax-advantaged savings – without the uncertainty of market volatility.
Grow your nest egg
Bonus Savings
Get rewarded for using your debit card and earn a great rate with no monthly service fees.
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Annual Percentage Yield (APY) accurate as of date shown and subject to change. $6 monthly service fee waived with $100 minimum balance; 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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