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.
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.
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!"
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 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
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.
Mobile app: message and data rates may apply.