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.

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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.

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No monthly maintenance fees and no minimum balance requirements

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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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ATMs everywhere you need them

The MoneyPass Network has 32,000+ surcharge-free ATMs across the U.S.

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Easy-to-use, with all the essentials:

  1. Get paid up to two days earlier with direct deposit^
  2. ACH options
  3. Online and mobile banking
  4. 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."

-Mitchel G., member since 1996

"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 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."

-Kim W., member since 2003

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:

  • Online banking and mobile app
  • Free overdraft transfers
  • Direct deposit and ACH options
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Ready to open a Free 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

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
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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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Overdraft Protection Page

Dec 16, 2021, 21:36 PM
Title : Overdraft Protection Page
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.
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