Checking that fits your life
With no minimum balance requirements or monthly service fees, Free Checking is a convenient way to manage your financial life. Use it to pay bills, make purchases, transfer funds and get paid faster with direct deposit.1 It gets even better when you add 24/7 access through online banking and our mobile app, which let you bank on your terms, when it's convenient for your schedule.2
Opening an account is easy! You can apply online in just a few minutes.
Free Checking - here's the scoop
Free Checking provides all the convenience you want for your everyday banking, from shopping and buying gas to making recurring payments and getting cash from the ATM.
No monthly maintenance fees and no minimum balance requirements
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
ATMs everywhere you need them
The MoneyPass Network has 32,000+ surcharge-free ATMs across the U.S.
Easy-to-use, with all the essentials:
- Get paid up to two days earlier with direct deposit^
- ACH options
- Online and mobile banking
- Free overdraft transfers
Don't take our word for it. Here's what our members say:
"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."
"I have been a member for over 30 years. Solarity has helped me buy cars, property and save for my childrens’ college!"
"I tell friends and family Solarity is a great place to bank. The service people are very helpful, it’s just convenient and it’s a safe place for your money."
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|
Ready to open a Free Checking account?
We make opening your account FAST and EASY! There are three simple ways to get started:
Connect with our friendly team members at 800.347.9222. We'll explain the products and get you ready to open your new account.Call now
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.
Get more from your membership!
Helpful articles and information
What’s the difference between a credit union and a bank?
Deciding which financial institution to bank with is worth putting some thought into. Credit unions and banks are often compared because they are both potential options f...
How to decide if a mortgage refinance is worth it
Refinancing a mortgage can have a lot of benefits, especially if you can get a lower interest rate or better terms, which refinancing often leads to.
Is it cheaper to refinance or get a home equity line of credit?
Looking for a way to have access to additional funding? If you own your home and have built up equity, a cash-out refinance or HELOC may be the right choice.
Direct Deposit: get paid 2 days earlier
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.