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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. You also have 24/7 access to your account through online banking or our mobile banking app.

Dividend Checking does everything you need it to. Plus, your money isn't sitting idly'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 May 18, 2022
APY* as high as
Minimum to earn APY

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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Unlimited transactions

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. Unlimited transactions
  2. Earn a dividend
  3. Courtesy Pay overdraft protection option
  4. Direct deposit and ACH options
  5. Online and mobile banking
  6. Monthly service charge waived with $250 minimum daily balance
  7. 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.

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
  • Courtesy Pay overdraft protection option
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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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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.