Truly Free Checking that helped us earn a Best Bank ranking by Money.com three years in a row and Newsweek's Best Big Bank!
No-fee bill pay and person-to-person payments
Learn more about Bill payOver 37,000 FEE-FREE ATMs
Find an ATM24/7 online & mobile banking with mobile check deposit
Learn more about Online and Mobile bankingOver 200 branches in 8 states to serve you
Branch locationsEverything you need in a Free Checking account:
- No minimum balance
- No monthly maintenance fees*
- Access to 37,000 Fee Free ATMS
- Online Banking
- Bill Pay & External Transfers
- Mobile Banking
- Person-to-Person Payments
- MyTransfer Available
*Additional fees may apply.
Choose Between Standard, Seattle Sounders FC & Seattle Kraken Debit Cards
Only $25 initial deposit to open.
Mobile Banking
Manage your banking 24/7
- Enjoy no-fee bill pay.
- Mobile check deposit.
- Person-to-person payments with Zelle®.
- Easy transfers between your accounts.
- Access to our innovative online budgeting and management tool.
Zelle®
This is how money moves®
Introducing Zelle® — a fast, safe and easy way to send money to your friends, family and associates in minutes2, right from the WaFd Bank mobile app.
Send your cousin the gift of money without needing to mail a check, or quickly pay your friend back for covering your dinner last night. Just open the WaFd Bank mobile app and get started!
Online Banking
Enroll in Online Banking
- Pay bills online or with your smart phone.
- Check your balance, view transactions and transfer money.
- Deposit a check with your smart phone.
- Pay a friend with Person-to-Person transfers with Zelle®.
- Deposit funds on your schedule at our smart ATMs.
Switch to WaFd Bank
Switch your account to WaFd in 4 easy steps
- Open a WaFd Bank checking account Online or at the branch nearest you.
- Use our Switch Organizer to list all your automatic deposits and transactions.
- Switch your direct deposits and automatic withdrawals by sending out our Easy Switch Form.
- Close your old checking account using our Account Closure Request Form.
Enjoy your new WaFd Bank Account!
2Must have a bank account in the U.S. to use Zelle®. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.

Mobile & Online Banking
We make it easy to get your banking done on-the-go.
- Pay bills online or with your smart phone.
- Check your balance, view transactions and transfer money.
- Deposit a check with your smart phone and mobile photo deposit.
- Pay a friend with person-to-person transfers.
- Deposit funds on your schedule or at our smart ATMs.
Open a Free Checking Account
Arizona, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington
Contact Us
For more information about our account services, or to talk to our Client Care Directors: