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Personal Banking

Personal Savings and Money Market Accounts

Account Features

Traditional Savings

Product	Traditional Savings Account
Description	Keeps your excess funds safe and pays interest on those funds.
Features	Allows you to build wealth without tying up your funds for long periods of time.
Minimum Deposit to Open Account	$50.00
Minimum Balance to Avoid Basic Fee	$100.00
Basic Periodic Fee	$5.00 quarterly service charge
Other Account Provisions	Deposit up to 20 items per month at no charge. A $0.15 fee is charged for each deposited item in excess of 20. There is a fee of $1.00 for each withdrawal and/or transfer in excess of six per quarterly statement cycle.
When is Interest Paid	Quarterly*
ATM Card or Debit Card	ATM Card
Overdraft Protection Line of Credit	Not Applicable
Additional Features	Free ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank. Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, check, draft, debit card, or similar order to third parties, are limited to six per month. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM. Dormant/inactive service charge fee of $15.00 per quarter is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months. No fee for check cashing. Must meet account balance requirements.
*Interest, which accrues on the daily balance, is paid as a credit to your account balance on the quarterly statement cycle date. The quarterly statement cycle dates are the last business days of March, June, September, and December. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins accruing 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.

Mi Patria Savings

Product	Mi Patria Savings Account
Description	A safe, interest-bearing account for customers who use a Matricula Consular card as their primary form of identification.
Features	Customers wishing to open a savings account using a Matricula Consular card as the primary form of identification will be opened in a Mi Patria Savings Account.
Minimum Deposit to Open Account	$50.00
Minimum Balance to Avoid Basic Fee	$100.00
Basic Periodic Fee	$5.00 quarterly service charge
Other Account Provisions	Deposit up to 20 items per month at no charge. A $0.15 fee is charged for each deposited item in excess of 20. There is a fee of $1.00 for each withdrawal and/or transfer in excess of six per quarterly statement cycle.
When is Interest Paid	Quarterly*
ATM Card or Debit Card	ATM Card
Overdraft Protection Line of Credit	Not Applicable
Additional Features	Free ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank. Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, draft, check, debit card, or similar order to third parties, are limited to six per month. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM. Dormant/inactive service charge fee of $15.00 per quarter is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months. No fee for check cashing. Must meet account balance requirements.
*Interest, which accrues on the daily balance, is paid as a credit to your account balance on the quarterly statement cycle date. The quarterly statement cycle dates are the last business days of March, June, September, and December. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins accruing 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 Savings

Product	Discovery Savings Account
Description	A smart way for customers age 18 and younger to earn interest on excess funds.
Features	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 Periodic Fee	None
Other Account Provisions	Deposit up to 20 items per month at no charge. A $0.15 fee is charged for each deposited item in excess of 20. There is a fee of $1.00 for each withdrawal and/or transfer in excess of six per quarterly statement cycle.
When is Interest Paid	Quarterly*
ATM Card or Debit Card	ATM Card
Overdraft Protection Line of Credit	Not Applicable
Additional Features	Free ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank. Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, check, draft, debit card, or similar order to third parties, are limited to six per month. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM. Dormant/inactive service charge fee of $15.00 per quarter is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months. No fee for check cashing. Must meet account balance requirements.
*Interest, which accrues on the daily balance, is paid as a credit to your account balance on the quarterly statement cycle date. The quarterly statement cycle dates are the last business days of March, June, September, and December. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins accruing 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.

Bridgebuilder Money Market

Product	Bridgebuilder Money Market Account
Description	A secure account that gives you easy access to your funds-and the higher your balance, the higher your interest rate.
Features	Allows you to build wealth without tying up your funds for long periods of time.
Minimum Deposit to Open Account	$1,000.00
Minimum Balance to Avoid Basic Fee	$1,000.00
Basic Periodic Fee	$10.00
Other Account Provisions	Deposit up to 20 items per month at no charge. A $0.15 fee is charged for each deposited item in excess of 20.
When is Interest Paid	Monthly**
ATM Card or Debit Card	Debit Card
Overdraft Protection Line of Credit	No
Additional Features	Free ATM card. Solera National Bank will not charge an ATM withdrawal fee at machines not operated by our bank. Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, check, draft, debit card, or similar order to third parties, are limited to six per statement cycle. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM. 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.
**The 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. Ask your service representative about current interest rates and tiers.

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