Spending Account
A secure digital checking account backed by a Best Bank
Are you tired of paying monthly fees for your checking account? Look no further! Our Spending Checking Account, powered by WaFd Bank Free Checking, offers a hassle-free banking experience with no minimum balance requirements and no monthly maintenance fees*. Whether you're opening your first account or looking to switch to a more cost-effective option, our Spending Checking Account is designed to meet your needs.
*Nonsufficient Funds Charge may apply.
No fee
Bill Pay and Person-to-Person Payments with Zelle®
Thousands of Fee-Free ATMs
24/7 Online & Mobile Banking
with mobile check deposit
Over 200 Branches
in 9 states to serve you
Voice-Activated Banking
Personal Financial Management Tools
Contactless Debit Card
Overdraft Services
Let's Open Your Free Spending Account Today
Choose Between Classic, Seattle Seawolves & Seattle Kraken Debit Cards
Only $25 initial deposit to open.
Start Savings
With a higher interest rate than a traditional savings account, Start Savings is designed to help you save and earn more for doing it. To open, just have any WaFd Checking account (including Fresh Start) and start paying your future self.
- Only $25 initial deposit
- No minimum balance requirements
- No monthly service charge
- Variable blended rate (interest rate is different depending on how much money you have in the account)
Open Your Account Online or at a Local Branch
For assistance with WaFd Bank products and services.
Awarded America's Best Big Bank - Three Years in a Row
Best Big Bank in Washington, Idaho, New Mexico
Awarded America's Best-in-State Bank
Best-in-State Bank in Washington, Nevada, New Mexico
Awarded America's Best Big Bank - Three Years in a Row
Best Big Bank in Washington, Idaho, New Mexico
Awarded America's Best-in-State Bank
Best-in-State Bank in Washington, Nevada, New Mexico