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Savings & Money Market

Save for a rainy day — or for big plans. Either way, we have a savings account to meet your needs.








Savings accounts to help you reach your goals.

Whatever your goals may be, having the financial resources to get you there is often the first step. Our personal savings and money market accounts offer a variety of options to help you reach your savings goals.

Washington Trust personal savings accounts feature:
 
  • Interest earning options.
  • 24-hour account access from your computer, phone, or tablet with WTB Online.
  • 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 savings accounts.

Review our personal savings 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 Savings
This basic savings account offers a hassle-free savings option with easy access. This is a great starter account and also a good way to have overdraft coverage for your checking account.

Account details:
  • Minimum to open is $50.
  • Earns interest.
  • Interest rates valid for opening accounts online.
  • For monthly statements: A $3 service charge refund if a $300 minimum ledger balance3 is maintained or the account is combined with a checking account statement.
  • For quarterly statements: A $3 monthly service charge will be assessed any month the daily ledger balance falls below $300.
  • Up to 75 items per statement cycle can be deposited into this account with no charge; thereafter, the charge is $0.20 per item.
  • Interest rates valid for opening accounts online.
 
Preferred Money Market
This money market account offers easy access to your money and, as your savings grow, so can your interest.

Account details:
  • Minimum to open is $500.
  • Earns interest.
  • Interest rates valid for opening accounts online.
  • Eligible to receive our single wallet style WTB Custom checks when ordered with bulk shipping at no cost.
  • Monthly service charge of $10 waived if the $3,000 average ledger balance4 requirement is met.
Signature Money Market
With this money market account, you’ll enjoy a competitive rate while still having easy access to your money. By simply maintaining higher balances, you are rewarded with a higher return on interest.

Account details:
  • Minimum to open is $10,000.
  • Earns interest.
  • Interest rates valid for opening accounts online.
  • Monthly service charge of $15 waived if the $20,000 average ledger balance4 requirement is met.
  • Eligible to receive our single wallet style WTB Custom checks when ordered with bulk shipping at no cost.



























Which account is right for you?

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

 Simplicity Savings Preferred Money Market Fund
 Signature Money Market Fund
Earns Interest Yes.2 Yes2 - tiered rates.1 Yes2 - tiered rates.1
Minimum to Open $50 $500 $10,000
Monthly Service Charge $3 $10 $15
Balances Needed to Avoid Monthly Service Charge Monthly service charge waived when the minimum ledger balance3 of $300 is maintained. Monthly service charge waived when the average ledger balance4 of $3,000 is maintained. Monthly service charge waived when the average ledger balance4 of $20,000 is maintained.
Monthly Service Charge
Refund Option		 $3 monthly service charge refund if set up with combined statements for
your savings and checking account.5		 No. No.
Deposited Item Fees Up to 75 items per statement cycle can be deposited into this account with no charge, thereafter, the charge is $0.20 per item. No. No.

























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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:
 
Refer to the list of Personal Banking Account Services Fees and Charges for additional fees which may apply to these accounts. 

  1. Refer to the current rate sheet.
  2. Interest is calculated each day on the entire collected balance in the account, and the rate paid is determined by the tier.
  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 service charge.
  4. Average ledger balance is calculated by adding the balance in the account for each day of the statement period and dividing that figure by the number of days in the period.
  5. $3 refund for combined statement applied even if the minimum ledger balance monthly service charge waiver is not met.