Preferred Checking

Earn interest on your checking account balance. Plus, take advantage of special benefits, services, and discounts.

  • $50 minimum required to open
  • WTB debit card
  • Images with statement at no charge
  • Tiered interest rates
  • One overdraft courtesy refund per quarter* Standard Overdraft Practices
  • No ATM fees when using WTB ATM or MoneyPass ATM
  • Two non-WTB ATM withdrawals at no charge, each calendar month (unless otherwise noted)

*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 the bank's 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.

  • Maintain a minimum ledger balance* of $2,500 each statement cycle to have your $8 monthly base fee charge waived
  • Free eStatements**
  • $3 monthly charge to receive paper statements

* 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 accouints to avoid a monthly maintenance fee.

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

Additional Product Information & Details

Interest Rates:

Rates effective as of 05/17/2024.

list of current rates
Minimum Balance to Obtain Annual Percentage YieldInterest RateAPY
  • Rates may change at any time without notice
  • Fees could reduce earnings

Every Washington Trust Checking Account Comes with These Great Features:

  • WTB debit card equipped with EMV technology to help protect against fraud
  • WTB Online Banking with bill payment and mobile app*
  • eStatements
  • Automated telephone banking to access balances, make transfers and track transactions
  • Free cashier’s checks and money orders
  • Eligible to receive our single wallet style WTB Custom checks when ordered with bulk shipping at no cost.

* Some mobile service provider fees may apply.