Free Checking

Everything you need and more, all for free

Are you tired of paying monthly fees for your checking account? Look no further! Our Free Checking Account offers a hassle-free banking experience with no minimum balance requirements, no monthly maintenance fees*, and thousands of fee-free ATMs available. Whether you're opening your first account or looking to switch to a more cost-effective option, our Free Checking Account is designed to meet your needs.

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*Nonsufficient Funds Charge may apply.

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

Let's Open Your Free Checking Account Today

Choose Between Classic, Seattle Seawolves & Seattle Kraken Debit Cards

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Only $25 initial deposit to open.

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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

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.