Personal Checking and Health Savings Accounts

Checking accounts are essential tools you'll use throughout your personal journey. It needs to suit the way YOU live your life. Compare your choices:

Essential Checking

Introductory Basic Free Checking Account
Looking to open a basic checking account that's easy to use, easy to understand and very easy on your budget, too? Then Essential Checking is for you. A complimentary Visa® Debit Card can be yours, just ask us, and there's no charge for online banking.

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Product Essential Checking
Description A simple checking solution with no minimum balance requirements or monthly service fees.
Features No monthly service fee or minimum balance requirements.
Unlimited check writing.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Basic Fee None
Basic Monthly Fee None
How Interest is Paid Not applicable
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit Yes, with approved credit.
Additional Features
  • Free electronic or paper statement with check image safekeeping.
  • Optional check images available for a $5.00 monthly fee.
  • Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Free telephone banking and customer support.
  • Optional online Bill Pay service for a $5.00 monthly fee allows you to make up to 10 payments per month; make additional payments for $0.55 each.
  • Dormant/inactive service charge fee of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

Mi Patria Checking

Introduction to Banking Using a Matricula Consular Card
If you use a Matricula Consular card as your primary form of identification, Mi Patria Checking is your ideal account. It's secure and economical with unlimited check writing privileges.  Added convenience include online banking and Visa® Debit Card.

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Product Mi Patria Checking
Description Designed for customers using a Matricula Consular card as their primary form of identification, this account has no minimum balance requirements or monthly service fees.
Features No monthly service fee or minimum balance requirements.
Unlimited check writing.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Basic Fee None
Basic Monthly Fee None
How Interest is Paid Not Applicable
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit Yes, with approved credit.
Additional Features
  • Free electronic or paper statement with check image safekeeping.
  • Optional check images available for a $5.00 monthly fee.
  • Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Free telephone banking and customer support.
  • Free online banking.
  • Optional online Bill Pay service for a $5.00 monthly fee allows you to make up to 10 payments per month; make additional payments for $0.55 each.
  • Dormant/inactive service charge fee of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

Step-up Checking

Checking with Interest & Benefits
Wondering how to make the funds in your account work for you? Consider the advantages of Step-up Checking, which earns a market rate of interest  on your entire checking balance and allows you to write as many checks as you like. Extra account benefits include up to five cashier's checks or money orders per month free of charge. We'll even rebate certain ATM fees -- and give you your first order of checks free.

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Product Step-up Checking
Description Pays a market interest rate on your entire checking account balance.
Features Earns a market interest rate on the entire checking account balance.
Unlimited check writing.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Basic Fee $1,500.00 minimum daily account balance -or- combined daily balance of $5,000.00 or more in personal deposit accounts.
Basic Monthly Fee $15.00
How Interest is Paid Interest credited to account monthly*
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit Yes, with approved credit.
Additional Features
  • First order of distinctive personalized bank stock checks free.
  • Free electronic or paper statement with check image safekeeping.
  • Optional check images available for a $5.00 monthly fee. This fee applies regardless of minimum or combined daily balance.
  • Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Receive up to $10.00 refund towards ATM surcharge fees charged by other financial institutions for use of their ATM each monthly statement cycle.
  • Free telephone banking and customer support.
  • Free online banking.
  • Online Bill Pay service allows you to make up to 10 payments per month free; make additional payments for $0.55 each.
  • Obtain up to 5 money orders or cashier's checks each month at no fee.
  • Dormant/inactive service charge fee of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Daily balance method is used to calculate the interest on your account: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest.

Innovations Checking

Checking Account with All The Benefits
Looking for a heavy-duty checking account with plenty of extra benefits? You can rely on Innovations Checking to pay a very competitive market interest rate on your balance, offer rebates on certain ATM fees, and include up to 5 cashier's checks  or  money orders free of charge. Additionaly, if you open a certificate of deposit, you'll receive a premium rate.

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Product Innovations Checking
Description Earns a higher market interest rate on your entire checking account balance.
Features Earns a higher market interest rate on the entire checking account balance.
Unlimited check writing.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Basic Fee $3,000.00 minimum daily account balance -or- combined daily balance of $15,000.00 or more in personal deposit accounts.
Basic Monthly Fee $20.00
How Interest is Paid Interest credited to account monthly*
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit Yes, with approved credit.
Additional Features
  • First order of distinctive personalized bank stock checks free.
  • Free electronic or paper statement with check image safekeeping.
  • Optional check images available for a $5.00 monthly fee. This fee applies regardless of minimum or combined daily balance.
  • Free Debit or ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Receive up to $10.00 in surcharge ATM fees refunded each monthly statement cycle.
  • Free telephone banking and customer support.
  • Free online banking.
  • Free online Bill Pay service allows you to make unlimited payments through the Internet.
  • Obtain up to 5 money orders or cashier's checks at no fee each month.
  • Free 3" x 5" x 24" safe deposit box, or equivalent credit toward the annual rental fee on a larger box (subject to availability).
  • Free notary service.
  • Receive a 0.25% premium over our published rate on one fixed-rate certificate of deposit (CD). Discounts on consumer loan rates.
  • Rewards program
  • Dormant/inactive service charge fee of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Daily balance method is used to calculate the interest on your account: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest.

Harvest Checking

Exclusively Created for People Age 55+
We value hard work and experience. With this in mind, we invite you to reap the benefits of Harvest Checking, an account with no monthly service fee, per-check fee, or minimum balance requirements. What's more, with Harvest Checking you earn interest on your funds. This account comes with unlimited check writing privileges, free checks, free online banking, free Bill Pay service, a free safe deposit box, and more.

You deserve respect - and you deserve Harvest Checking, too.

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Product Harvest Checking
Description A benefit-rich account available to customers age 55 or better.
Features For customers age 55 or better.
No monthly service fee, per-check fee, or minimum balance requirements.
Earns a market interest rate on the entire checking account balance.
Unlimited check writing.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Basic Fee None
Basic Monthly Fee None
How Interest is Paid Interest credited to account monthly*
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit Yes, with approved credit.
Additional Features
  • Free distinctive personalized wallet bank stock checks.
  • Free electronic or paper statement with check image safekeeping. Or, if you request, check images will be returned at no charge.
  • Free Debit or ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Free telephone banking and customer support.
  • Free online banking.
  • Free online Bill Pay service allows you to make unlimited payments through the Internet.
  • Obtain up to 5 money orders or cashier's checks at no fee each month.
  • Free 3" x 5" x 24" safe deposit box, or equivalent credit toward the annual rental fee on a larger box (subject to availability).
  • Free notary service.
  • Rewards program
  • Dormant/inactive service charge fee of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Daily balance method is used to calculate the interest on your account: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest.

Discovery Checking

For Young People Age 18 and Younger
Young people on the road to financial independence will find Discovery Checking a helpful tool for managing their finances wisely. Low opening deposit requirements and no basic monthly fees make Discovery Checking affordable, too. To develop financial skills for the future, open your checking account today.

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Product Discovery Checking
Description A great account for young people age 18 years and younger.
Features No monthly service fee or minimum balance requirements.
Unlimited check writing.
Both the account holder and a parent or guardian must sign to open this account.
Minimum Deposit to Open Account $25.00
Minimum Balance to Avoid Basic Fee None
Basic Monthly Fee None
How Interest is Paid None
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit No
Additional Features
  • Free electronic or paper statement with check image safekeeping.
  • Optional check images available for a $5.00 monthly fee.
  • Free Debit or ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Free telephone banking and customer support.
  • Free online banking.
  • Optional online Bill Pay service for a $5.00 monthly fee allows you to make up to 10 payments per month; make additional payments for $0.55 each.
  • Dormant/inactive service charge fee of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Daily balance method is used to calculate the interest on your account: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest.

Health Savings Account (HSA)

A Tax-Exempt Trust or Custodial Account Established Exclusively for Paying Qualified Medical Expenses of The Account Beneficiary
Are you insured under a high-deductible health plan that entitles you to open a Health Savings Account (HSA)?

Our HSA is better than most because it requires no setup fee and no minimum balance. What's more, you'll receive monthly statements, excellent customer support, and a market rate of interest on your account balance. It's an excellent tool for paying your out-of-pocket health care costs and deductibles.

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Product Solera Health Savings Account (HSA)
Description A tax-exempt trust or custodial account established exclusively for paying qualified medical expenses of the account beneficiary.
Features An interest-bearing account backed by excellent customer service from a local reputable bank.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Basic Fee None
Basic Monthly Fee None
How Interest is Paid Interest credited to account monthly*
Visa® Debit Card Yes, free of charge.
Overdraft Protection Line of Credit No
Additional Features
  • First order of distinctive personalized bank stock checks free.
  • Free electronic or paper statement with check image safekeeping. Or, if you request, check images will be returned at no charge.
  • Free Visa® Debit card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank.
  • Free telephone banking and customer support.
  • Solera Bank charges no setup fee.
  • HSAs can be opened by any individual covered only by a High Deductible Health Plan (HDHP). Additionally, employers may arrange for HSAs for employees that elect coverage through an HDHP. Contributions can be made either by employers or individuals or both. Contributions to an HSA can also be made on behalf of an individual, such as a family member, as long as the individual meets the qualifications for an HSA.
  • HSA funds should only be used for qualified medical expenses, as defined by the Internal Revenue Service. The individual is responsible for ensuring that HSA funds are spent for qualified expenditures. If HSA funds are used for non-qualified medical expenditures, the individual must report this in his or her annual income tax filing and pay the related incomes taxes in addition to a 10 percent penalty.
  • Consult your professional tax, legal or financial adviser for detailed explanation of the advantages of HSAs.

*Daily balance method is used to calculate the interest on your account: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest.

Overdraft Protection Line of Credit

Available with Approved Credit

An Overdraft Protection Line of Credit makes possible automatic loan advances to your checking account if an item is presented for payment that would overdraw your account. The purpose of this loan helps avoid the risk, expense and inconvenience of bounced checks. Ask any account representative for more information on this service.

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