Schedule of Consumer Fees & Service Charges

Effective 04/01/2020

All fees and service charges are subject to change. We’ll mail you a notice 30 days before any changes take effect.


Personal Checking Accounts

Free Checking 
Requires Direct Deposit and eStatement Enrollment 
Minimum Balance to Open $25
Monthly Service Fee  FREE
Green Checking
Includes Secure Checking Benefits Complimentary
Minimum Balance to Open $25
Monthly Service Charge $6 Per Month
Stellar Plus Checking
Includes Secure Checking Benefits Complimentary
Minimum Balance to Open $25
Minimum Balance Fee: Zero monthly service charge when you keep $20,000 or more in Stellar Plus Checking, or $100,000 or more in related deposit accounts. $3 monthly service charge if you keep $10,000-$19,999 in Stellar Plus Checking, or $50,000-$99,999 in related deposit accounts. $8 monthly service charge if you keep less than $10,000 in Stellar Plus Checking, or less than $50,000 in related deposit accounts. Monthly service charge is based on your average daily balances each month. $0, $3 or $8 Per Month
Minimum Balance to Earn Interest $​10,000

Savings & Money Market Accounts

Money Market
Minimum Balance to Open $25
Minimum Balance Fee $10 Per Month
Minimum Balance to Earn Interest $1,000
Minimum Balance to Waive Fee $1,000
Excess Transaction Fee* $15 Per Transaction
Gold Money Market
Minimum Balance to Open $25
Minimum Balance Fee $10 Per Month
Minimum Balance to Waive Fee $1,000
Minimum Balance to Earn Interest $1,000
Excess Transaction Fee* $15 Per Transaction
Statement or Passbook Savings
Minimum Balance to Open $25
Minimum Balance Fee $3 Per Month
Minimum Balance to Earn Interest $​​​​​​​​100
Minimum Balance to Waive Fee $100
Excess Transaction Fee* $15 Per Transaction
Minor Statement or Passbook Savings
Minimum Balance Fee (Up to Age 18) FREE
Minimum Balance to Open $10
Minimum Balance to Earn Interest $​10
Excess Transaction Fee* $15 Per Transaction

*Regulation D limits this account to no more than 6 electronic, preauthorized, telephonic, online or check withdrawals or transfers per month as outlined in your account agreement.


Retail Bill Pay and External Transfers

Bill Pay
Bill Pay - Regular Payment No Fee
Bill Pay - Next Day Payment $10 Per Payment
Bill Pay - Overnight Check $15 Per Payment
Bill Pay - Claims Investigation $29 Per Claim
Bill Pay - Stop Payment $25 Per Request
External Transfers
TransferNow - Express $10 Per Transfer
TransferNow - Standard No Fee

Other Fees & Services

Card Replacement Order Service $5 Per Card
Card Replacement – Expedited Service $40 Per Card
Check Images with Monthly Statement $5 Per Month
Deposit Ticket/Check Copies Price Varies*
Legal Processing $​75 Per Occurrence
Non-Sufficient Funds Fee $​30 Per Item
Inactive Account - Checking $5 Per Month
(Assessed after 180 days without activity)
Overdraft Transfer Fee $5 Per Occurrence
Research Fee (1 Hour Minimum) $30 Per Hour
Returned Deposit Item Fee $10 Per Item
Returned Deposit Item Fee - Foreign $15 Per Item
Statement Re-Print $​5 Per Statement
Stop Payment $30 Per Check
Closed Account (Assessed if account is closed within 90 days after account opening. Fee does not apply to minor accounts, IOLTAS, or CDS.) $20 Per Account
External Transfers -In- Branch 
Pre-Authorized Transaction - Same Day (Must be scheduled by 9:30am PT for same day guarantee) $10 Per Transfer
Collections and Foreign Check Processing
Incoming – Domestic $25 Per Collection
Incoming – Foreign $35 Per Collection
Outgoing – Domestic $25 Per Collection
Outgoing – Foreign $35 Per Collection
Cashier's Checks
Cashier’s Checks (Client Only) $​8 Per Check
Non-Client Exchange From On-Us Check $10 Per Check
Wire Transfers
Incoming $15 Per Wire
Outgoing – Domestic $25 Per Wire
Outgoing – International $45 Per Wire

*Price dependent on service & volume requested; contact your branch for more information.


Loan Payment from External Source to WaFd Bank

Via Online Banking $5 Per Payment
Via Online Banking - Expedited Payment $10 Per Payment
Via Telephone Banking $5 Per Payment

Safe Deposit Box Fee Schedule

Box Sizes Fee
2x5 $15
2½x5 $15
3x5 $20
4x5 $25
5x5 $30
2x10 $35
3x10 $40
3x11 $40
4x10 $45
4x13 $45
5x10 $50
6x10 $55
6x16 $65
7x10 $55
8x10 $60
8x13 $60
8½x17½ $75
9x10 $65
9x15 $70
10x10 $70
10x13 $75
10x15 $75
10x17 $80
13x21 $90
21x12 $90
19x16 $120
21x16 $120
34x16 $150

Box Availability

Safe deposit box size and availability vary by location. Please ask a branch representative for a quote.

Drilling Fees

Drilling fees for delinquency or loss of both keys vary by location. Please ask a branch representative for a quote.

Key Deposit

Key deposits are $20. We refund key deposits if two keys are returned at closing.

*All safe deposit box fees are subject to tax in Arizona and New Mexico.