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Checking Accounts

Compare Checking Accounts and Open an Account Online Instantly Today

Whether you're looking for Free Checking or an account with rewards and interest, we have accounts that are tailored to meet your needs. Let us show you why WaFd Bank has been voted Best Bank!

Looking for Business Checking
Forbes 2026 badge for Best-In-State Bank, WaFd Bank.
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Interest Checking
Premium Rewards Checking
Rewards Checking
*Free Checking
Only $25 initial deposit
Service Charge
$12 Per MonthCharge waived with $5,000 average daily balance or $50,000 in eligible accounts
$9 Per Month
$6 Per Month
FREE
Minimum Balance Requirement
$5,000See more details
$0
$0
$0
Free ChecksWaFd Branded only
Free 3x5 safe deposit box where available
Checking Rewards
Contactless Debit Card
Digital Banking
Free Overdraft ProtectionConnect your Savings or Money Market for overdraft protection.
Overdraft Line of CreditSubject to credit approval.
Daily Cap of NSF Fees3 per day or $90.
For more information, see Rewards FAQs.

*Nonsufficient funds charge may apply.

Some benefits require activation/registration.

    No-fee bill pay and person-to-person payments
    Thousands of FEE-FREE ATMs
    24/7 online & mobile banking with mobile check deposit
    Over 200 branches in 9 states to serve you
Happy couple dancing together in the kitchen.

Can't open a traditional bank account?

Start fresh with WaFd Bank's second chance bank account. If you've been denied a bank account, our Fresh Start account can help you get back on track.

Learn about Fresh Start Account

Convenient and Secure Online Banking

  • Pay bills online or with your smartphone
  • Check your balance, view transactions and transfer money
  • Deposit checks with your smart phone and mobile photo deposit
  • Pay friends with person-to-person transfers
  • Make online wire transfers
  • Reach your financial goals by setting real-time alerts, managing spending, and tracking savings

Get the WaFd Bank mobile app

Download WaFd Bank mobile app in Google Play Store.Google Play Store.

For Android Devices

Download WaFd Bank mobile app in Apple App Store.Apple App Store.

For Apple Devices

Mobile Banking FAQs
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