Checking

Every Washington Trust Checking Account Comes with These Great Features:

• A WTB debit card equipped with EMV technology to help protect you from fraud during transactions.
• 24-hour access to your accounts through WTB Online and mobile banking.¹
• Free standard bill pay. Set up alerts and bill payments to manage your payment schedule.
• Automated telephone banking access to check balances, make a transfer and check on previous transactions.
• eStatements available through your online banking account along with online money management tools to help easily budget, save and track your finances.
• Customers 62+ receive first order of basic style checks free and a 50% discount on future orders.
• Free Cashier's Checks and Money Orders.
• Images with statement at no charge.

1. Some mobile service provider fees may apply.

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Signature Checking

Signature Checking is a benefit-rich relationship account designed for maximum value. This account provides you with our highest level of benefits and services, including special discounts and our most competitive rates.

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Account Details

• $50 minimum required to open.
• Up to five non-WTB ATM withdrawals at no charge each calendar month, unless otherwise noted.
• WTB Debit Card with ScoreCard^® Rewards¹. Earn 1 point for every $2 you spend.
• Free image style checks. Duplicate checks available upon request.
• One overdraft courtesy refund³.
• Tiered interest rates.

Monthly Service Charge

You will receive a $20 monthly base fee service charge if the prior monthís minimum ledger balance⁴ falls below $15,000 in your combined checking, savings, money market, Certificate of Deposit, and Individual Retirement Accounts. Personal accounts with primary or secondary ownerships (with a signer in common) may be included in the combined balances.

Additional product information and details for Signature Checking

^1. You will earn points based on your qualifying net purchases (purchases minus returns and/or other related credits). Debit Card purchases will only receive points on signed transactions. You will earn points as long as your account and debit card are in good standing (that is, not closed, cancelled, blocked, suspended or otherwise inactive and not available for use). You do not earn points on fees, or fraudulent or unauthorized charges. Credits to your account will reduce the points available in your rewards account. Redeem anytime at ScoreCardRewards.com or by calling the redemption center at 800.854.0790.

^2. Transfers and/or withdrawals from your money market or savings account conducted in person at any branch, by mail or by ATM are unlimited. All other transfers including telephone transfers, online transfers, overdraft or minimum balance coverage, pre-authorized debits, point of sale purchases, and checks are limited to six withdrawals per calendar month or statement cycle (a period of at least four weeks). Your individual four-week period starts at the beginning of each statement cycle (if you receive statements monthly) or the calendar month (if you receive statements quarterly). We are required by law to ensure that you comply with this limit. If you exceed this limit after we have notified you of a violation, the Bank must change your account to discontinue the automatic services, close, or reclassify the account.

^3. Overdraft Courtesy Refund: the $30 OD/NSF fee will automatically be refunded for the first overdraft occurrence posted to the account each calendar quarter.

^4. Prior monthís minimum ledger balance: The balance based on the prior monthís lowest combined daily balances of the account(s) during the 30-day statement period.

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Preferred Checking

The Preferred Checking account is a great choice for customers who want to earn interest and take advantage of special benefits, services and discounts.

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Account Details

• $50 minimum required to open.
• Up to two non-WTB ATM withdrawals at no charge each calendar month, unless otherwise noted.
• WTB Debit Card with ScoreCard^® Rewards¹. Earn 1 point for every $3 you spend.
• No annual fee on credit cards (Subject to credit approval).
• One overdraft courtesy refund per quarter.³
• Tiered interest rates.
• Images with statement at no charge.

Monthly Service Charge

$8 monthly base fee in service charge will be waived if the minimum ledger balance⁴ of $2,500 is maintained each statement cycle. eStatements for this account are provided electronically⁵ at no charge. There will be an additional monthly charge of $3 to receive a monthly paper statement.

Additional product information and details for Preferred Checking

^1. You will earn points based on your qualifying net purchases (purchases minus returns and/or other related credits). Debit Card purchases will only receive points on signed transactions. You will earn points as long as your account and debit card are in good standing (that is, not closed, cancelled, blocked, suspended or otherwise inactive and not available for use). You do not earn points on fees, or fraudulent or unauthorized charges. Credits to your account will reduce the points available in your rewards account. Redeem anytime at ScoreCardRewards.com or by calling the redemption center at 800.854.0790.

^2. Transfers and/or withdrawals from your money market or savings account conducted in person at any branch, by mail or by ATM are unlimited. All other transfers including telephone transfers, online transfers, overdraft or minimum balance coverage, pre-authorized debits, point of sale purchases, and checks are limited to six withdrawals per calendar month or statement cycle (a period of at least four weeks). Your individual four-week period starts at the beginning of each statement cycle (if you receive statements monthly) or the calendar month (if you receive statements quarterly). We are required by law to ensure that you comply with this limit. If you exceed this limit after we have notified you of a violation, the Bank must change your account to discontinue the automatic services, close, or reclassify the account.

^3. Overdraft Courtesy Refund: After the end of each calendar quarter a $30 OD/NSF refund will be credited back to the account if an overdraft occurrence was charged to the account.

^4. Minimum Ledger Balance: The lowest end of day balance in an account during a statement cycle; a certain minimum daily balance is often required with interest-bearing accounts to avoid a monthly maintenance fee.

^5. Enroll in and maintain an active Washington Trust Bank online account and select eStatements.

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Twist Checking

The Twist Checking account is perfect for customers looking for a way to make their life more affordable. It comes with a Twist—it comes with BaZing!

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Account Details

• $50 minimum required to open.
• No minimum balance requirements.
• WTB Debit Card.
• Images with statement at no charge.

Twist Checking comes with BaZing², a membership program offering exciting discounts and services, including:

• Local & national dining savings.
• Local & online shopping discounts for groceries, clothing and more.
• Nationwide travel, hotel, recreation & entertainment discounts.
• Savings on prescriptions and vision.
• Cell phone protection.
• Roadside assistance.
• Identity theft aid.
• Travel accidental death insurance.

Monthly Service Charge

$6 monthly base fee in service charge can be offset with debit card purchases. Receive a credit of $0.10 (up to $6.00) for qualifying purchases per statement period³.

eStatements for this account are provided electronically⁴ at no charge.

There will be an additional monthly charge of $3 to receive a monthly paper statement.

Additional product information and details for Twist Checking

^1. Transfers and/or withdrawals from your money market or savings account conducted in person at any branch, by mail or by ATM are unlimited. All other transfers including telephone transfers, online transfers, overdraft or minimum balance coverage, pre-authorized debits, point of sale purchases, and checks are limited to six withdrawals per calendar month or statement cycle (a period of at least four weeks). Your individual four-week period starts at the beginning of each statement cycle (if you receive statements monthly) or the calendar month (if you receive statements quarterly). We are required by law to ensure that you comply with this limit. If you exceed this limit after we have notified you of a violation, the Bank must change your account to discontinue the automatic services, close, or reclassify the account.

^2. Certain terms, conditions, limitations, and exclusions apply. Ask a banker for the BaZing Benefit Supplemental Guide or visit BaZing.com for complete details.

^3. Enroll in and maintain an active Washington Trust Bank online account and select eStatements.

^4. A cash back debit reward ìpurchaseî includes any PIN or signature-based debit card purchase, phone or mail-order, recurring purchase or automatic bill payment made with any VISA debit card issued to your checking account that posted and cleared on your checking account. Debit card purchases will accumulate during yourmonthly statement period and display your total in ìcash back debit rewardsî for that statement period. ATM withdrawals, deposits, debit card reversals and returns are not eligible.

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Simplicity Checking

Simplicity Checking is a great choice for basic checking with no per-check charges and no minimum balance requirements.

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Account Details

• $50 minimum required to open.
• WTB Debit Card.
• Images with statement at no charge.

Monthly Service Charge

You will receive a $3 monthly base fee in service charge refund if you have a monthly recurring direct deposit²or receive an eStatement.³

Additional product information and details for Simplicity Checking

^1. Transfers and/or withdrawals from your money market or savings account conducted in person at any branch, by mail or by ATM are unlimited. All other transfers including telephone transfers, online transfers, overdraft or minimum balance coverage, pre-authorized debits, point of sale purchases, and checks are limited to six withdrawals per calendar month or statement cycle (a period of at least four weeks). Your individual four-week period starts at the beginning of each statement cycle (if you receive statements monthly) or the calendar month (if you receive statements quarterly). We are required by law to ensure that you comply with this limit. If you exceed this limit after we have notified you of a violation, the Bank must change your account to discontinue the automatic services, close, or reclassify the account.

^2. Enroll in Online Banking and select eStatements to receive the monthly credit.

^3. Recurring direct deposits: electronic transfer of funds directly from the payer bank received into your account at Washington Trust Bank. The transactions display on the statements as ìACH credit.î