Direct Rewards Checking

Here's a novel idea: receiving valuable rewards for doing something that already makes your life easier. That's the beauty of Direct Rewards Checking.

By establishing a time-saving direct deposit, you earn a UChoose Rewards® Visa® debit card. Points earned are redeemable for travel, merchandise, gift cards, and more. At the same time, enjoy other conveniences that keep checking easy like free online banking, bill pay, and E-Statements, plus valuable discounts on loans established with Solvay Bank!

  • No monthly service fee
  • Direct deposit required
  • Free UChoose debit card that earns valuable rewards (see tab)
  • No minimum balance requirement
  • Unlimited check writing
  • Free check orders
  • Free online banking
  • No monthly service fee for online bill pay
  • No-Fee Online Statements*
  • FDIC insured
  • Special loan discounts:
  • Receive 1/8% (0.125%) discount on Residential Mortgages for terms of 20 years or less
  • Receive 1/4% (0.25%) on Home Equity Loans and Home Equity Lines of Credit
  • Receive 1/2% (0.50%) discount on installment loans when you open, maintain, and have your loan payments deducted from your Direct Rewards Checking Account
  • $15 minimum deposit to open

*$2.00 per month Paper Statement Fee

UChoose Rewards

Much more than a debit card, your UChoose Rewards card is your ticket to...well, almost anything! Earn one point for every $2 you spend. Use for purchases anywhere Visa is accepted.

  • Earn points with every qualifying purchase*
  • Accumulate 1,000 points to start redeeming
  • Choose from millions of options to redeem
  • Travel, event tickets, brand-name merchandise, gift cards, and more
  • Share points with family; compile points from multiple cards
  • Shop for rewards or check your point total at

*Points are earned on signature transactions only