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Personal Banking

Personal Checking and Health Savings Accounts

Account Features

Essential Checking

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	None
Check 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

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
Check 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

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*
Check 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. Travelers Checks available at no fee. 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

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*
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. Travelers Checks available at no fee. 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

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*
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. Travelers Checks available at no fee. 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.

Solera National Bank Health Savings Account (HSA)

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*
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 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.

Discovery Checking

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
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.

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