Sometimes all you need is a simple spending account!
A digital spending account backed by a bank with over 100 year​s history
Here is some of what you get with a WaFd Bank

Spending Account

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

Mobile & Online Banking

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

Access to 32,000 Fee-Free ATMs

  • Access to our network of convenient ATMs
  • Deposit cash or checks at our Smart ATMs

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

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.

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

  • Apple Pay
  • Google Pay
  • Samsung Pay

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

Let's open your spending account today!

All you need 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 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.

Remember Checks? We have those

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

*$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®.