Signature Checking
Maximize your checking account with impeccable benefits, services, special discounts, and our most competitive rates.
- $50 minimum required to open
- WTB debit card
- No charge for paper statements, eStatements, or check images
- Tiered interest rates
- One overdraft courtesy refund per quarter* Standard Overdraft Practices
- No ATM fees when using WTB ATM or MoneyPass ATM
- Five 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.
- There is a $20 monthly base fee service charge if the prior month’s minimum ledger balance* falls below $15,000 in 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.
*Prior Month’s Ledger Balance – The balance based on the prior month’s lowest combined daily balances of the account(s) during the 30 day statement period
Interest Rates:
Rates effective as of 09/22/2023.
| Minimum Balance to Obtain Annual Percentage Yield | Interest Rate | APY |
|---|---|---|
| $1 | 0.20% | 0.20% |
| $2,500 | 0.22% | 0.22% |
| $10,000 | 0.22% | 0.22% |
| $25,000 | 0.22% | 0.22% |
| $50,000 | 0.22% | 0.22% |
| $100,000 | 0.25% | 0.25% |
- 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.
