Still stashing money under the bed, in a safe, or somewhere “just in case”? While those hiding spots might feel secure, they’re not the safest—or most practical—way to manage your everyday money. When it comes to paying bills, making purchases, and accessing your funds easily, a checking account is a smarter, more secure solution.

Balance It Out

From rent and utilities to groceries and subscriptions, most payments today are digital. A checking account gives you a reliable, paperless way to manage those everyday transactions. With features like debit cards, online bill pay, mobile banking, and electronic transfers, checking accounts are designed to keep your money accessible and moving when you need it.

At Solidarity Community Federal Credit Union, checking accounts are built with members in mind—not unnecessary fees. Depending on the account you choose, you may be able to avoid monthly maintenance fees by meeting simple criteria like setting up direct deposit or maintaining an appropriate balance. It’s all about finding the option that fits how you actually use your money.

Stick to the Basics

For some members, a basic or no-frills checking account makes the most sense. These accounts are often designed for those who prefer simplicity or don’t need a lot of extras. They typically come with fewer requirements and lower barriers to entry, making them a good starting point. The key is understanding any limits and choosing an account that matches your spending and withdrawal habits.

Weigh Your Options

Before opening a checking account, it helps to ask yourself:

• How often will I use my debit card or ATM?

• Do I need features like online bill pay or mobile deposits?

• Would direct deposit benefit me?

• How important is flexibility versus earning interest?

Answering these questions can help you choose the right account from the start.

A New Interest in Checking

Some checking accounts offer the ability to earn interest on your balance while still giving you access to your money. These accounts can be a great fit for members who keep a higher balance and want their money to work a little harder. However, they may come with balance requirements to earn interest or avoid fees, so it’s important to understand the details before opening one.

How Do You Get Started?

Opening a checking account at Solidarity is straightforward, and our team is here to help every step of the way.

What you’ll need:

• A government-issued photo ID (driver’s license, state ID, or passport)

• A Social Security number or taxpayer identification number

• Proof of address

• $5 for your opening deposit

Taking a little time to explore your options can make a big difference. The right checking account should make managing your money easier—not more stressful—and Solidarity is here to help you find the best fit for your financial life.