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)
  • No annual fee on credit cards (subject to credit approval)

*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.

  • 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

Additional Product Information & Details

Interest Rates:

Rates effective as of 10/03/2022.

list of current rates
Minimum Balance to Obtain Annual Percentage Yield Interest Rate APY
$1 0.03% 0.03%
$2,500 0.03% 0.03%
$10,000 0.03% 0.03%
$25,000 0.03% 0.03%
$50,000 0.05% 0.05%
$100,000 0.05% 0.05%
  • 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 money management tools
  • WTB 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.