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Checking

Personal checking accounts for every stage of your financial life with the added convenience of WTB Online digital banking.








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

Everyday life depends on banking. Our personal checking account options offer accounts to fit every stage of your financial life. Whether you are just starting out and need a simple account to pay bills and expenses or if you are looking for an account that earns interest, we’ve got an account to fit your needs.

Washington Trust personal checking accounts include: 

  • A WTB debit card equipped with EMV technology to help protect you from fraud.
  • 24-hour account access from your computer, phone, or tablet with WTB Online.
  • Access to Bill Pay. Set up alerts and bill payments to manage your payment schedule.
  • Check balances, make a transfer, and review transactions WTB Online or our automated telephone banking.
  • eStatements available through your digital banking account.
Have Questions?
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Priority Service

Explore checking accounts.

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
Basic checking with 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:
  • $3 monthly service charge refund if you have a direct deposit5 during your statement cycle or receive eStatements2.
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.6
  • Images with statement at no charge.
  • Tiered interest rates.
  • Interest rates valid for opening accounts online.
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 electronically2 at no charge.
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.6
  • Tiered interest rates.
  • Interest rates valid for opening accounts online.
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.




























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
 Preferred1 Signature1
Details Basic checking with no monthly minimum balance requirement and no per-check charges. Interest-earning checking
with special benefits, discounts, and services.		 Checking with highest level of special benefits, discounts, services, and competitive rates.
Earns Interest No.
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		 $3 $8 $20
Minimum Balance
Requirements		 None. 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.4
Service Charge
Refund/Reward Credit		 $3 credit for direct deposit5
or eStatements.		 None. Yes.
ATM Benefits/Fees 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.)
ATM/Debit Card Limits $5,000 in purchases per day in combination with ATM withdrawals of $500. $5,000 in purchases per day in combination with ATM withdrawals of $500. $10,000 in purchases per day in combination with ATM withdrawals of $1,000.
Overdraft
Courtesy Refund		 No.
One per calendar quarter (Up to $60 value annually.)6
One per calendar quarter (Up to $60 value annually.)6
Overdraft Protection/
Transfer of Funds
See the Standard Overdraft Practices brochure and Personal Deposit Account disclosure with account
service fees and charges for details.
See the Standard Overdraft Practices brochure and Personal Deposit Account disclosure with account
service fees and charges for details.
See the Standard Overdraft Practices brochure and Personal Deposit Account disclosure with account
service fees and charges for details.
























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Right in your neighborhood

Connect with your local banking team.

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. $50 minimum required to open. See the Personal Deposit Account Disclosure for full terms and conditions. All accounts are FDIC insured within FDIC limits.
  2. Enroll in and maintain an active Washington Trust Bank online account and select eStatements.
  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. 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.
  5. Recurring direct deposits: The electronic transfer of funds directly from the payer bank received in your account at Washington Trust Bank.
  6. 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.