A young woman opening a Free Spending Account on her phone.
A young woman opening a Free Spending Account on her phone.
A young woman opening a Free Spending Account on her phone.
A young woman opening a Free Spending Account on her phone.
A young woman opening a Free Spending Account on her phone.
A young woman opening a Free Spending Account on her phone.
Sometimes all you need is a simple spending account!
Here is some of what you get with a WaFd Bank

Spending Account

Powered by WaFd Bank Free Checking

No minimum balance*.

No monthly maintenance fees**

Contactless Debit Card
  • You’ll be able to instantly make purchases
  • Use for online services like Spotify and Netflix
  • Free access to over 32,000 ATMs
  • Enabled for contactless payments for a fast and secure way to “tap” and pay
  • Set up text alerts
Contactless Debit Card
Mobile and Online Banking

Mobile & Online Banking

  • Pay bills online
  • Mobile deposit
  • Send money in minutes with Zelle®**
  • Transfer between your accounts
  • Budget Tool
Mobile and Online Banking

Access to 32,000 Fee-Free ATMs

  • Access to our network of convenient ATMs
  • Deposit cash or checks at our Smart ATMs
Fee Free ATM at WaFd Bank

Easy Direct Deposit

  • Get same-day access to your money
  • Reduces the risk of lost or stolen paper checks
  • Online alerts to let you know when your funds are available
Paycheck Direct Deposit

Digital Wallet

Mobile Pay is the fast, simple, secure way to pay in millions of places with just the touch of a button. Pay right from your mobile device. Learn more

Your WaFd Bank Debit Card is Digital Wallet-enabled for:

  • Apple Pay
  • Google Pay
  • Samsung Pay
WaFd Bank debit card in a digital wallet

Easily Send Money to friends with Zelle

Introducing Zelle® - a fast, safe and easy way to send money to your friends, family and associates in minutes, right from WaFd Bank’s 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 app and get started!

Easily Send Money to friends with Zelle

Introducing Zelle® - a fast, safe and easy way to send money to your friends, family and associates in minutes, right from WaFd Bank’s 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 app and get started!

Pay Contactless with your FitBit

Fitbit Pay is a contactless payment source that allows you to pay at contactless enabled payment terminals using your Fitbit Smartwatch. Here are some examples of contactless vendors:

  • Albertsons
  • Subway
  • Sephora
  • Trader Joe’s
  • McDonalds
  • Walgreens
  • Starbucks
  • Wholefoods
Fitbit Pay App

Let's open your spending account today!

Choose Between Standard, Seattle Sounders FC & Seattle Kraken Debit Cards

WaFd Bank Contactless Debit Card
WaFd Bank Contactless Sounders Debit Card
Kraken Debit Card

All you need to open a Free Checking account is:

  • Driver’s License
  • Social Security Number
  • $25 Deposit

We can help you switch to WaFd Bank in 4 easy steps

  1. Open a WaFd Bank free checking account online Apply Online.

  2. Use our Switch Organizer to list all your automatic deposits and transactions.
  3. Switch your direct deposits and automatic withdrawals by sending out our Easy Switch Form.
  4. Close your old checking account using our Account Closure Request Form.
Checks from WaFd Bank

Remember Checks? We have those

Remember when people used to write checks? We do. If you need to order checks, we have you covered.

Checks from WaFd Bank

*$25 to open. Requires eStatement registration and direct deposit. Overdraft/returned item fees may apply.

**Must 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®.