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:

Free Checking

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Product Free Checking
Description A simple checking solution with no minimum balance requirements or monthly service charges.
Features No monthly service charge or minimum balance requirements.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge None
Monthly Service Charge 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 paper check images available for a $5.00 monthly charge.
  • Free telephone banking and customer support.
  • Free online banking, bill pay, electronic statements and mobile banking.
  • Dormant/inactive service charge of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.
  • First order of select personalized checks is free.
  • Free Visa® Scorecard Rewards Debit Card.

Mi Patria Checking

If you use a Matricula Consular card as your primary form of identification, Mi Patria Checking is your ideal account.

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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 charges.
Features No monthly service charge or minimum balance requirements.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge None
Monthly Service Charge None
How Interest is Paid Not Applicable
Visa® Debit Card Yes, free of charge.
Additional Features
  • Free electronic or paper statement with check image safekeeping.
  • Optional paper check images available for a $5.00 monthly charge.
  • Free telephone banking and customer support.
  • Free online banking, bill pay, electronic statements and mobile banking.
  • Dormant/inactive service charge of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.
  • First order of select personalized checks is free.
  • Free Visa® Scorecard Rewards Debit Card.

Interest Checking

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Product Interest Checking
Description Earns a competitive interest rate on your entire checking account balance.
Features The interest rate and annual percentage yield for your account depend upon the applicable rate tier.
The interest rate and annual percentage yield for these tiers may change.
Earns a competitive interest rate on the entire checking account balance.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge $1,500.00 minimum daily account balance -or- combined daily balance of $15,000.00 or more is kept in personal deposit accounts.
Monthly Service Charge $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 select personalized checks is free.
  • Free electronic or paper statement with check image safekeeping.
  • Optional paper check images available for a $5.00 monthly charge. This fee applies regardless of minimum or combined daily balance.
  • Receive up to six surcharge ATM fees refunded each statement cycle.
  • Free telephone banking and customer support.
  • Free online banking, bill pay, electronic statements and mobile banking.
  • Free Visa® Scorecard Rewards Debit Card.
  • Six surcharge ATM fees refunded each statement cycle.
  • Obtain up to 5 money orders or cashier's checks at no charge each month.
  • Receive a 0.25% premium over our published rate on one fixed-rate certificate of deposit (CD).
  • Dormant/inactive service charge 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.

Gold Checking

An account created exclusively for people age 55+, paying a competitive interest rate.

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Product Gold Checking
Description A benefit-rich account available to customers age 55 or better.
Features For customers age 55 or better.
No monthly service charge or minimum balance requirements.
Earns a competitive interest rate on the entire checking account balance.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge None
Monthly Service Charge 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 select personalized checks for lifetime of the account.
  • Free electronic or paper statement with check image safekeeping.
  • Optional check image available for a $5.00 monthly charge.
  • Free telephone banking and customer support.
  • Free online banking, bill pay, electronic statements and mobile banking.
  • Obtain up to 5 money orders or cashier's checks at no charge each month.
  • Free Visa® Scorecard Rewards Debit Card.
  • Dormant/inactive service charge 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 Service Charge None
Monthly Service Charge 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 select personalized checks is free.
  • Free electronic or paper statement with check image safekeeping.
  • Free telephone banking and customer support.
  • Free online banking, electronic statements and mobile banking.
  • 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.
**You should consult with a tax advisor for more information on qualifications.

Overdraft Protection Line of Credit

Available with Approved Credit

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

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