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Free Checking

Checking that fits your life

With unlimited transactions and no monthly service fee, 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. 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.

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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Affordable

No monthly maintenance fees and no minimum balance requirements

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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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ATMs everywhere you need them

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

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An easy-to-use account with all the essentials

  1. Unlimited transactions
  2. Reimbursement for one box of standard image checks every 12 months
  3. Courtesy Pay overdraft protection option
  4. Direct deposit and ACH options
  5. Online and mobile banking
  6. 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

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 Free Checking account?

We make opening your account FAST and EASY! There are three simple ways to get started:

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Online

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.

 

Helpful articles and information

 

Can auto loans be refinanced?

Any time you’re looking to put some money back in your monthly budget, refinancing your auto loan can be a great place to start.

Solarity and YWCA Partner Up for the Holidays

This holiday season, Solarity will be collecting toys on behalf of the YWCA that will be distributed to the children they support.

Protecting your money: how to identify fraud

Do you know the four common tactics used by scammers? Familiarize yourself with their methods to protect yourself from becoming a victim.

Mobile app: message and data rates may apply.