Terms and Conditions

Last Updated: April 30, 2025

Please read the Terms and Conditions carefully before you use or access this site or our services. By accessing this site, you accept and agree to be bound and abide by these Terms and Conditions. If you do not agree with these Terms and Conditions, please do not use or access this site. This Site is not intended for use by children under the age of 13. If you are under the age of 13, please do not continue to use this Site.

Welcome to WaFd Bank's website. Your access to and use of any portion of WaFd Bank's website, https://www.wafdbank.com, mobile applications, or digital banking services ("Sites"), including any content, functionality and services offered on or through the Website or mobile applications ("Services") is subject to the following Terms and Conditions ("Terms"). The terms "WaFd Bank", "we", or "our" means Washington Federal Bank. "You", "your" means a person or entity who visits, uses, or interacts with the Sites or Services.

License Grant and Use Restrictions; Your Indemnification

The trademarks, trade names, and service marks ("Marks") used on this Site belong to WaFd Bank or to various other parties. Information on this Site is copyrighted or protected by U.S. and international intellectual property laws, so you may not copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer or sell any Site information, including any Marks (except to the extent such constitutes fair use under the federal Copyright Act).

Subject to these Terms, we grant you a nonexclusive, revocable license to copy or print an unaltered copy of the information on this Site to document your contracts and activities with us, but not for any other purpose, including commercial purposes.

You agree not to modify copies of material from this Site, delete or alter any Site information, and not to use (or allow others to use) this Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to defend, indemnify and hold us and our agents and affiliates harmless from and against any loss, damage or expense (including attorneys' fees) incurred because of any such use.

No Warranties

Your use of the Site, materials, and Services are provided on an "as is" and "as available" basis. From time to time, this Site may include information from third parties and/or links to other websites operated by third parties. WaFd Bank nor any person associated with WaFd Bank makes any representations or warranties, express or implied, regarding the Site or any third-party website to which this Site links, including but not limited to any information or Services provided in or through our Site or third-party websites. If you use links to third-party websites, you will leave this Site. These Terms do not apply to any other websites. With respect to this Site and third-party websites, WaFd Bank does not make any warranties regarding the use of the materials, or that the functions contained on this Site or linked third-party websites will be uninterrupted or free from error, that defects will be corrected, or that this Site or any third-party website are free of viruses or other harmful components.

Viruses

It is possible to contract a computer virus or similar "disease" by using the internet or materials downloaded from it. You should obtain, use and update computer virus-checking software routinely, even when you are using information that is not obtained from the internet. We cannot guarantee that this Site and any software or other information downloaded from them will be virus or problem free and we disclaim any liability (if any) for viruses and similar problems.

Limitation of Liability

WaFd Bank disclaims liability for any and all claims, losses, costs, expenses (including attorneys' fees), and damages of whatever kind or nature including without limitation general, compensatory, special, incidental, consequential, punitive, or exemplary damages ("Damages") based on any theory of liability, in connection with any use of this Site and the information contained herein, the inability to use this Site or the materials on it, the misappropriation of materials, or the loss of, or damage to, materials for any reason, even if we have been advised of the possibility of such Damages.

Indemnification

You agree to defend, indemnify, and hold harmless WaFd Bank, its affiliates, subsidiaries and each of their respective directors, officers, employees, agents, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of this Site or Services other than as expressly authorized in these Terms, or your use of any information obtained from this Site.

Changes

We reserve the right to update these Terms from time to time to comply with applicable laws and to reflect changes in our online services. For this reason, we encourage you to periodically review these Terms. If we make changes, we will revise the "Last Updated" date shown at the top of these Terms and post the revised Terms on https://www.wafdbank.com. The changes will become effective when we post the revised Terms. Your visit or use of this Site following such posting means that you accept the revised Terms.

Governing Law

These Terms are governed by the laws of the State of Washington, and any applicable federal law. For individual products and services offered by WaFd Bank, the applicable agreements and disclosures may specify that the laws of another jurisdiction govern your use of the account and/or service, and the terms of those disclosures and agreements will continue to apply. WaFd Bank does not represent that the materials on this Site are appropriate or available for use in all locations.

Account Authorization and Use

If you have an account or plan to open an account with WaFd Bank, you agree to provide WaFd Bank with current, complete, and accurate information about you as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree to use this Site to access only those accounts on which you are authorized to act, and to use your own sign in credentials, usernames, and passwords when accessing accounts on which you are authorized to act. You are solely responsible for all activities that occur in connection with your password. Accordingly, you should take steps to protect the confidentiality of any account information, sign in credentials, usernames, and passwords that you use to access any page or feature on this Site, and for logging off your account and any protected areas of the Site.

If you become aware of any suspicious or unauthorized conduct concerning your accounts, sign in credentials, usernames, passwords, or security questions and answers, you agree to contact WaFd Bank immediately. WaFd Bank will not be liable for any loss or damage arising from your failure to comply with these Terms.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to WaFd Bank or its service providers for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

Information About You and Your Visits to the Site

All information WaFd Bank collects on this Site is subject to our privacy policies listed in our Privacy Center, www.wafdbank.com/privacy-center#privacy-policy. By using this Site, you consent to all actions taken by us with respect to your information in compliance with WaFd Bank's policies.

Visitors Residing Outside the United States

The Sites and services are controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdiction of any country or territory other than those of the United States. If you visit or use our online services, your personal and non-personal information may be collected, stored, used, and processed in and transferred to, from, and within the United States. In such instances, applicable U.S. federal and state laws shall govern. If you are a non-U.S. resident, such laws may not provide the same level of protection as the laws of the country of your residence.

WaFd Bank SMS Text Notification Terms & Conditions

WaFd Bank's SMS program known as WaFd Notify, is a service designed to provide our customers with timely information and account updates through SMS notifications. This SMS service is subject to these Terms. By opting into or participating in the SMS notification services; you accept and agree to these Terms. Any term identified in these Terms is limited to this service, and these Terms are not intended to modify any other agreement(s) or terms of service that governs the relationship between you and WaFd Bank.

WaFd Notify - Real-time account updates and secure account verification

The WaFd Notify program, as defined below, is a secure notification service that delivers important account information directly to your mobile device. When you opt into our SMS Alerts Program, you agree to receive autodialed or prerecorded SMS text messages for various types of messages related to your banking activities and account status. These notifications may include 1) account updates and activities and 2) account security alerts. WaFd Notify allows you to access available information regarding your accounts that are accessible through the WaFd Online Banking and Mobile App ("Eligible Accounts") via recurring short message service ("SMS") text messages from your mobile phone and/or set up alerts for your Eligible Accounts (e.g., alerts for low balances, payments, or charges). The WaFd Notify program will continue to send alerts and messages until you opt-out and you may opt-out at any time by sending a text message or by going online within the WaFd Banking app.

Eligibility and Participation

Enrollment requires confirmation of your Eligible Account and banking relationship with us. By providing your mobile phone number and configuring notifications within the online banking application, you are affirmatively opting into the Programs. Enrollment must be completed through the online banking app. You have full control to determine when and how you receive notifications by selecting the types of Alerts and managing your preferences within Online Banking. At any time, you can reply STOP to stop receiving alert messages or reply START to resubscribe and resume receiving notifications. Alternatively, you can visit the WaFd Online Banking application at any time to turn off notifications. Simply navigate to the Notification section within the app to manage your alert preferences.

User Mobile Phone Number

By participating in the Programs, you represent that you are the owner of the mobile phone number or that you have the delegated legal authority to act on behalf of the owner of such mobile phone number. You further agree to immediately notify us if any mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. If at any time you intend to stop using the mobile phone number used to subscribe to the Programs, including canceling your service plan or selling or transferring the phone number to another party, you agree that you will complete the User Opt-Out process set forth below prior to ending your use of the mobile phone number.

Message Frequency

When you enroll in WaFd Notify, you agree to receive text messages based on the notification preferences you have configured. Most alerts will trigger an SMS notification once per event (e.g., a completed transaction, account update, or suspicious activity). For recurring alerts, such as low balance notifications, we will send no more than one alert per day per notification type. For example, if your account balance drops below your configured threshold (such as $1,000), you will receive a single notification each day that the condition remains true, but no more frequently. You can adjust your preferences or disable alerts at any time through the WaFd Online Banking application at www.wafdbank.com.

Message and Data Rates

Message and data rates may apply. If you have any questions regarding your text message plan or data plan, you should contact your carrier/service provider.

User Opt-Out

If you no longer wish to participate in either of the Programs or no longer agree to these Terms, you can opt-out of the Programs at any time. To do so, you may reply "STOP" to any SMS text message from WaFd Bank. You may receive one additional text message to confirm your "STOP" request and then you will not receive any future SMS text messages. Alternatively, you can visit the WaFd Online Banking application at any time to turn off notifications. Simply navigate to the Notification section within the app to manage your alert preferences. You further understand and agree that any other method of opting out, including, but not limited to, texting words other than those set forth above or verbally requesting one of our employees to remove you from our list, is not a reasonable means of opting out. If you would like to opt back into the Programs following your opt-out request, you can reply START to resubscribe and resume receiving notifications or return to WaFd Bank's online and mobile banking application to turn notifications back on.

Questions

For help or information regarding the Programs, you can contact us at 800-324-9375 or 206-624-7930 (outside the U.S.) or reply "HELP" to any SMS text message from WaFd Bank to receive additional instructions or support information. You may also visit the WaFd Bank Online Banking applications for further information at www.wafdbank.com.

Liability

SMS notifications are provided for your convenience. While we strive to deliver timely and accurate information, we cannot guarantee immediate delivery of messages due to factors beyond our control, including carrier delays, network issues, or system maintenance. WaFd Bank and carriers will not be liable for losses or damages arising from non-delivery, delayed delivery, or inaccurate content in the SMS messages sent through the SMS Program.

Privacy

If you have any questions regarding your privacy, please visit our Privacy Center, Online Privacy Policy | WaFd Bank.

Marketing SMS Text Terms and Conditions

WaFd Bank's Marketing SMS program (“WaFd Bank Marketing Program”) is a service designed to provide our customers with relevant product related marketing communications through SMS notifications. By subscribing or otherwise agreeing, you consent to receive recurring automated marketing SMS text messages from or on behalf of WaFd Bank. Any term identified in these Terms is limited to this service, and these Terms are not intended to modify any other agreement(s) or terms of service that governs the relationship between you and WaFd Bank. By using this service, you agree to these Terms and our privacy policies located on our Privacy Center, https://www.wafdbank.com/privacy-center.

WaFd Bank may notify you with an SMS text message when you have an account or product-related message. The SMS text message will be sent to the mobile number provided by you. Messaging frequency may vary. We do not charge for text messages, however, message and data rates from your carrier may apply.

You are not required to subscribe to receive marketing communications to maintain your relationship with us. If you no longer wish to participate in the WaFd Bank Marketing Program or no longer agree to these Terms, you can opt-out of the WaFd Bank Marketing Program at any time. To do so, you may reply “STOP” to any SMS text message from WaFd Bank. You may receive one additional SMS text message to confirm your “STOP” request to be removed from the WaFd Bank Marketing Program. Reply “HELP” to any SMS text message from WaFd Bank for assistance.

If you have any questions regarding your privacy, please visit our Privacy Center, Online Privacy Policy | WaFd Bank.