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Interest, Rewards, and More, All in One Checking Account
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Interest Checking

Earn Interest and Money Saving Rewards? In a Checking Account? You Bet!

With our most rewarding checking account, you can enjoy earning interest plus a wide variety of rewards and benefits for the things in life that matter most, like identity theft protection and resolution, plus access to thousands of fee-free ATMs and shopping discounts just about everywhere. All this for $0-12 a month, depending on your balance.

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Account Benefits and Rewards

Enjoy access to benefits valued at $95+ every month! Monthly account fee is waived with an average balance of $5,000 or combined $50,000 balance in related accounts.

  • Earns Interest on All Balances
  • Free Box of Checks
  • Complimentary 3x5" Safe Deposit Box (where available)
  • Wire Transfer Fee Reimbursement*
  • Shopping Discounts
  • Dark Web Monitoring
  • Travel and Leisure Discounts
  • Mobile Phone Protection up to $800 per claim, $1,000 per year
  • Identity Fraud Expense Reimbursement Coverage up to $1,000,000
  • Identity Theft Resolution Services
  • Identity Theft Protection with Credit File Monitoring
  • Credit Monitoring
  • Health Discounts
  • Telehealth Services
  • 24/7 Roadside Assistance
  • Credit Score Simulator
  • Buyer's Protection and Extended Warranty
  • Accidental Death & Dismemberment Coverage
  • Rideshare Protection

Let's Open Your Interest Checking Account Today

Choose Between Classic, Seattle Seawolves & Seattle Kraken Debit Cards

Only $25 initial deposit to open.

    No Fee

    Bill Pay and Person-to-Person Payments with Zelle®

    Thousands of Fee-Free ATMs

    24/7 Online & Mobile Banking

    with mobile check deposit

    Over 200 Branches

    in 9 states to serve you

    Voice-Activated Banking

    Personal Financial Management Tools

    Contactless Debit Card

    Overdraft Services

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Start Savings

With a higher interest rate than a traditional savings account, Start Savings is designed to help you save and earn more for doing it. To open, just have any WaFd Checking account (including Fresh Start) and start paying your future self.

  • Only $25 initial deposit
  • No minimum balance requirements
  • No monthly service charge
  • Variable blended rate (interest rate is different depending on how much money you have in the account)
Open a Start Savings Account

Help Protect Your Family with Greenlight

Greenlight is the money and safety app that empowers parents to raise financially smart kids, and caregivers to care for vulnerable adults. Parents and caregivers can send funds, set flexible card controls, and everyone can stay safe and connected with the app. Plus, you’ll get the Greenlight Select plan for free with any WaFd checking account and you can enjoy exclusive discounts on premium features when you upgrade.

Sign up for Greenlight Family Shield
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For assistance with WaFd Bank products and services.

Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Restrictions may apply.Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found through your WaFd Online Banking or WaFd Bank mobile app. If you wish to name a beneficiary for your Accidental Death and Dismemberment Insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account owner, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please call 866-210-0361. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis. Health Discount Savings is NOT insurance. Registration/activation required. Shopping Rewards require registration/activation; available via mobile and web only. Travel and Leisure Discounts are available via mobile and web only.*Wire transfer fees are reimbursed on request when your monthly balance is $5,000 or greater, or you have $50,000 or more in related accounts.