Checking ​Accounts

We have three great account options to choose from.  And all of them come with complimentary online banking with no-fee bill pay, mobile banking, surcharge-free access to over 2​4,000 ATMs, and our innovative MoneySync budgeting tool.

Compare Accounts





Checking options to fit your life Sometimes, simpler is better.  Get checking with no minimum balance. No monthly maintenance fees.
A checking account that works as hard as you do.  Performance checking pays you interest on your funds every month. Plain and simple.
It’s all about the benefits. From complimentary bill pay and house-style checks to free domestic wire transfers, this account comes loaded with extras.
Minimum to open  ​$100 $100 $100
Earns interest?  No Competitive variable interest rate earned on balances of ​$1,000 or higher. $​10,000 Per Month minimum balance to earn a competitive variable rate of interest.
Monthly fee ​None! We’ll waive the ​$​8 Per Month fee if you keep a ​$1,000 minimum average balance in checking or have $5,000 or more in your other related deposit accounts (savings, money market and CDs at Washington Federal). 
We’ll waive the $15 Per Month fee if you keep a $5,000 minimum balance in checking or have $5,000 or more in your other related deposit accounts (savings, money market and CDs) at Washington Federal.

Debit Cards & ATMs

The Washington Federal debit card works like a check, but it’s faster, easier and more convenient.  Just sign for your purchase or use your PIN.  The amount is automatically deducted from your checking account. And your transactions are detailed on your monthly statement, just like your checks. 
Your Washington Federal debit card gives you fee-free access to cash from your checking account at over 24,000 MoneyPass ATMs throughout the U.S.

Our debit cards can also be used at over 340,000 Star and Plus Network ATMs worldwide, though third-party usage and foreign exchange fees may apply.  Please note the Plus network can be used when traveling outside the U.S.  Just let us know when you plan to travel abroad.


Switch Kit

Switch to a Washington Federal checking account today.  With our Easy Switch Kit, it’s a simple, step-by-step process.  We know it can be hard to move all of your direct deposits and automatic payments.  That’s why we are committed to providing you with hands-on client support every step of the way.

We’ll help you switch your account in 5 quick and easy steps.

Get started today.

Overdraft Protection

Explore your options to make sure you’re covered for unexpected expenses. Washington Federal offers a linked account for overdraft protection as well as overdraft lines of credit.



Link your checking account to a Washington Federal savings or money market account, so in the event of an accidental overdraft, we transfer the needed funds to cover you for a small daily fee. Get details.


Choose to back up your checking account with a flexible line of credit.  You’re covered for accidental overdrafts, plus you can advance the line of credit for those unavoidable expenses.  We’ll charge you a small fee each day you use your OverdraftLine.  You only owe a payment when the line of credit has a balance owed. Get ​details.

Online & Mobile Banking

Manage your banking 24/7 with Washington Federal’s online and mobile banking.  Enjoy no-fee bill pay, mobile photo deposit, Person2Person payments, easy transfers between your accounts, and access to our innovative MoneySync budgeting and management tool.

Enroll in online banking         Download our mobile app


See all your money. In one place. With MoneySync.

Know what you spend, what you have, what you budget and what you owe.  All in one easy-to-use tool called MoneySync.  Available within Washington Federal’s online banking or via our mobile app.

Download MoneySync for your mobile phone or tablet

Contact Us

For more information about our checking account services, or to talk to our Client Care Directors: