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Checking

Everyday life depends on banking. Our personal checking options offer accounts to fit every stage of your financial life.
 
Whether you're paying bills, splitting dinner with friends, or taking that dream vacation, checking accounts from Washington Trust can help you manage your money on the go.
 








Checking accounts for day-to-day banking and beyond.

What type of checking account are you looking for? If you’re in the market for a simple, free checking account or something with more features, there’s a Washington Trust checking account to fit your needs. You’ll enjoy:

  • Online account opening.⁷
  • A WTB Visa® debit card.
  • Mobile and digital banking with WTB Online.
  • Financial Insights budgeting tool through WTB Online.
  • Live customer support from our locally based Priority Service team.
  • Access to Bill Pay services.⁷

Have Questions?
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Priority Service
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EXPLORE PERSONAL CHECKING ACCOUNTS

Find the checking account that’s right for you.

Review our personal checking account options below and click the "apply" button to open your account online. Have questions? Visit a local branch to talk with a banker or call our Priority Service team at 800.788.4578.

Simplicity Checking

Our free1 checking with no monthly service charge, no per-check charges and no monthly minimum balance requirements.
 
Account details:
  • $50 minimum required to open.1
  • No minimum balance requirements.
  • Images with statement at no charge.
  • Visa® debit card for purchases and ATM access.
Monthly service charge:
  • $0.
Additional Simplicity Checking Information >
Student Checking⁷
Designed to empower teens with smart money skills, our Student Checking account comes with a free debit card and no monthly service charge or minimum balance requirements.
 
Account details:
  • $10 minimum required to open.1
  • No minimum balance requirements.
  • Checkless.
  • No bill pay.
  • Automatic graduation after minor’s 18th birthday.
  • No overdraft fees.
Monthly service charge:
  • $0.

High Yield Checking⁸ 
High Yield Checking offers a higher interest rate on the first $10K in the account. 
 
Account Details:
  • $50 minimum required to open.1
  • Offers a higher interest rate on the first $10K in the account.
Monthly service charge:
  • $12.50 monthly base fee in service charge will be waived if the minimum ledger balance3 of $1,000 is maintained each statement cycle. eStatements for this account are provided electronically4 at no charge.

Preferred Checking

Earn interest and take advantage of special benefits, services, and discounts.
 
Account details:
  • $50 minimum required to open.1
  • Up to two non-WTB ATM withdrawals at no charge each calendar month, unless otherwise noted.
  • One overdraft courtesy refund per quarter.2
  • Images with statement at no charge.
  • Tiered interest rates.
Monthly service charge:
  • $8 monthly base fee in service charge will be waived if the minimum ledger balance3 of $2,500 is maintained each statement cycle. eStatements for this account are provided electronically4 at no charge.
Additional Preferred Checking Information >

Signature Checking

Enjoy a benefit-rich relationship account with our highest level of benefits and services, special discounts, and competitive rates.
 
Account details:
  • $50 minimum required to open.1
  • Up to five non-WTB ATM withdrawals at no charge each calendar month, unless otherwise noted.
  • One overdraft courtesy refund per quarter.2
  • Tiered interest rates.
Monthly service charge:
  • $20 monthly service charge refund will be posted to the account each statement period if the prior month’s minimum ledger balance remains above $15,000 in your combined checking, savings, money market deposit accounts, certificates of deposit and Individual Retirement Accounts. Personal accounts with primary, joint, or trustee ownership (with a signer in common) may be included in the combined balances.
Additional Signature Checking Information >






















Which account is right for you?

Let's find the right account for your financial needs.
Click the button to compare our personal checking account options.

  Simplicity1 Student7 High Yield8 Preferred1 Signature1
Details Our free checking with no monthly service charge, no per-check charges and no monthly minimum balance requirements. Designed to empower teens with smart money skills, our Student Checking account comes with a free debit card and no monthly service charge or minimum balance requirements. High Yield Checking offers a higher interest rate on the first $10K in the account.
Interest-earning checking
with special benefits, discounts, and services.
 Checking with highest level of special benefits, discounts, services, and competitive rates.
Earns Interest No. No. Offers a higher interest rate on the first 10K in the account. See rate sheet for current rates. Tiered rates. See rate sheet for current rates and tiers. Tiered rates. See rate sheet for current rates and tiers.
Monthly Base Fee/Service Charge $0 $0 $12.50 $8 $20
Minimum Balance
Requirements
 None. None. Monthly service charge waived with $1,000 minimum ledger balance.3 Monthly service charge waived with $2,500 minimum ledger balance.3 Monthly service charge refunded with $15,000 minimum ledger balance between checking, savings, money market deposit accounts and CDs/IRAs.5
ATM Benefits/Fees
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
WTB and MoneyPass ATMs - $0.00 Other ATMs - $2.50
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
(Two at no charge per calendar month.)
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
(Five at no charge per calendar month.)
Overdraft
Courtesy Refund
 No. No. No. One per calendar quarter (Up to $60 value annually.)2 One per calendar quarter (Up to $60 value annually.)2
Overdraft Protection/
Transfer of Funds
 See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details. Ineligible. See the personal deposit account disclosures and limits and fees disclosure for details. See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details. See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details. See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details.



























Checking account Q&A.

A checking account gives you easy access to your money for everyday spending, bill payments*, and direct deposits. It also helps you track your finances in real time with tools like digital banking and account notifications.

*Student checking doesn't include bill payments.
When choosing a checking account, think about what account features are important to you and look for an account that gives you those features and benefits with the lowest account fees or options for waving or reducing fees. It’s also a good idea to understand overdraft policies and the availability of customer service.
Once your account is open, you can log into WTB Online to view your account number and routing number from the “Settings” menu after clicking on your account from the options listed. The routing number is also listed at the bottom of our website.
You can set up direct deposit through your employer. You’ll need to have your checking account and bank routing number on-hand. 
Call our Priority Service center at 800.788.4578. You can also message the team for support through the WTB Online app. 























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Free checking is
awesome checking.

Simplicity Checking is our free account with no monthly maintenance fee or minimum balance requirements. 
 
Two women sitting at a cafe and one tapping her phone to make a contactless payment.

Earn cash back on everyday spending.

The Clearly Cash BackTM rewards program earns 1.5% cash back for every $1 in qualifying net purchases.6
 
REAL PEOPLE, HERE FOR YOU

Need Help?

Click here to visit the Help Center for information about Bill Pay, cutoff times, wire transfers, Pay From accounts, and payments. You can also visit a local branch to talk with a banker or call our Priority Service team at 800.788.4578.
 
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Right in your neighborhood.

With over 40 locations throughout Washington, Idaho, and Oregon, there’s a Washington Trust location near you with a team of bankers ready to serve.
 
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Important information:
1. Charges for other services may apply, such as overdraft fees or ATM fees. See the personal deposit account and truth-in-savings disclosures for full terms and conditions. All accounts are FDIC insured within FDIC limits. $50 minimum required to open. See the personal deposit account and truth-in-savings disclosures for full terms and conditions. All accounts are FDIC insured within FDIC limits.

2. Overdraft courtesy refund: We may charge a fee of $15 for each item paid causing an overdraft. A fee may be imposed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Overdrafts are due immediately. We may not pay overdrafts at our discretion. After the end of each calendar quarter a $15 Paid Overdraft/Returned Item Fee refund will be credited back to the account if an overdraft occurrence was charged to the account during that quarter.

3. 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.

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

5. Prior month's minimum ledger balance: The balance based on the prior month's lowest daily balances of the account(s) during the 30-day statement period.

6. You will earn Rewards based on your qualifying net purchases (purchases minus returns and/or other related credits) with no earnings cap. You will earn Rewards as long as your account is in good standing (that is, not closed, cancelled, blocked, delinquent, suspended or otherwise inactive and not available for use). You do not earn Rewards on fees, finance charges, or fraudulent or unauthorized charges. Credits (returns) to your account will reduce the Rewards available in your rewards account. For more information see Clearly Cash Back™ Terms and Conditions.

7. Student Checking accounts are limited to one minor per account and must be opened in branch. A separate account is required for each minor. $10 minimum to open. This is a checkless account, does not allow bill payment, and will automatically graduate to a Simplicity Checking account after the minor's 18th birthday. Please see the personal deposit account and truth-in-savings disclosures for full terms and conditions. All accounts are FDIC insured within FDIC Limits. 
 
8. High Yield Checking accounts have a limit of one account per primary owner.