A Trusted Banking Partner for Your Retirement Wealth
Diversify beyond the Market.
Your Retirement, Your Investments, Your Control, Simplified.
True Checkbook Control
Eliminate custodian delays and transaction fees. With a Solera Bank checking account, you have immediate access to your funds. Write checks, send wires, and manage cash flow instantly for your alternative investments.
Less Friction, Faster Funding
We’ve built a streamlined onboarding flow with trusted plan partners so you can open your account without unnecessary friction. Clear steps, fewer errors, and a smoother path to funding once your documents are complete.
Same-Day Account Setup
We understand that investment opportunities move fast. Our specialized onboarding team can open your Solo 401(k) or Self-Directed IRA checking account entirely online, often on the same day you apply.
Optimize retirement wealth with Self-Directed IRAs & Solo 401(k)s.
We work directly alongside your Self‑Directed IRA or Solo 401(k) plan provider to ensure a smooth, streamlined experience from start to finish. Our process is designed to remove complexity, reduce friction, and help you confidently navigate each step, while preserving all the flexibility and control that self‑direction offers. By coordinating closely with your provider and adhering to plan rules and IRS guidelines, we help create an efficient structure that supports your investment strategy and gives you every opportunity to maximize the long‑term growth of your retirement savings.
Self-Directed Retirement Real Estate Loans.
Give your retirement investment a boost by leveraging our commercial retirement non-recourse lending program. We can finance your investment in a single-family home, multi-family property (up to 4 units), condo or townhome held in your Self-Directed IRA, Custodial/TPA, or Solo 401(k) plan
Which Self-Directed Account is Right for You?
Whether you are a self-employed business owner or an individual investor, we offer the exact banking structure you need to diversify beyond Wall Street.
Solo 401(k) Checking
Best for:
Self‑employed individuals or business owners who already have a Solo 401(k) provider and need a dedicated checking account.
When to choose this option:
Choose Solo 401(k) Checking if your Solo 401(k) plan is already established with another provider and you want a checkbook‑control checking account to make investments directly. This option is also ideal if you want to add an additional banking relationship without changing your existing plan provider.
Self‑employed individuals or business owners who already have a Solo 401(k) provider and need a dedicated checking account.
When to choose this option:
Choose Solo 401(k) Checking if your Solo 401(k) plan is already established with another provider and you want a checkbook‑control checking account to make investments directly. This option is also ideal if you want to add an additional banking relationship without changing your existing plan provider.
Apply for IRA LLC Checking Account
Best for:
Investors who already have a Self‑Directed IRA with an outside custodian and want a checking account for an IRA‑owned LLC.
When to choose this option:
Select IRA LLC Checking if your IRA and LLC are already set up elsewhere and you want a dedicated checking account to invest directly with checkbook control. This is commonly used by investors seeking faster transaction speed without moving their IRA custodian.
Investors who already have a Self‑Directed IRA with an outside custodian and want a checking account for an IRA‑owned LLC.
When to choose this option:
Select IRA LLC Checking if your IRA and LLC are already set up elsewhere and you want a dedicated checking account to invest directly with checkbook control. This is commonly used by investors seeking faster transaction speed without moving their IRA custodian.
Apply for IRA Trust Checking Account
Best for:
Investors who already have a Self‑Directed IRA Trust with another custodian and need a checking account.
When to choose this option:
Choose IRA Trust Checking if you want to add a checkbook‑control checking account to an existing IRA Trust. This option works well for those who do not need a new IRA or trust established, only banking access
Investors who already have a Self‑Directed IRA Trust with another custodian and need a checking account.
When to choose this option:
Choose IRA Trust Checking if you want to add a checkbook‑control checking account to an existing IRA Trust. This option works well for those who do not need a new IRA or trust established, only banking access
Apply for Custodial IRA with LLC Checking
Best for:
Investors who want a custodial Self‑Directed IRA combined with an IRA‑owned LLC.
When to choose this option:
Choose this structure if you want the benefits of an IRA LLC while keeping your Self‑Directed IRA and checking account consolidated with Solera. This option works well for investors who want coordinated custodial support alongside checkbook control.
Investors who want a custodial Self‑Directed IRA combined with an IRA‑owned LLC.
When to choose this option:
Choose this structure if you want the benefits of an IRA LLC while keeping your Self‑Directed IRA and checking account consolidated with Solera. This option works well for investors who want coordinated custodial support alongside checkbook control.
Apply for Custodial IRA with Trust Checking
Best for:
Investors who need both a Self‑Directed IRA and a Trust checking account.
When to choose this option:
Pick this option if you do not yet have a Self‑Directed IRA or want Solera to serve as your passive custodian, while also providing a coordinated trust checking account. This creates a fully integrated setup for account opening, administration, and banking.
Investors who need both a Self‑Directed IRA and a Trust checking account.
When to choose this option:
Pick this option if you do not yet have a Self‑Directed IRA or want Solera to serve as your passive custodian, while also providing a coordinated trust checking account. This creates a fully integrated setup for account opening, administration, and banking.
