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Checking Accounts

Personal Checking

Our Personal Checking account offers unlimited check writing and no maintenance fee as long as $10,000 is kept in the account. Open an account with us today.

• Minimum opening deposit of $100
• No monthly maintenance fee if a balance of $10,000 or more is maintained
• Monthly maintenance fees differ depending on balance range
• If the daily balance falls within one of the following balance tiers on any given day within a statement cycle, the monthly maintenance fees will be as follows:

  Balance Tier	Maintenance Fee
  $        .00 to $   499.99	$12.00
  $   500.00 to $   999.99	$  6.00
  $ 1,000.00 to $9,999.99	$  1.00

  
  
• Unlimited check writing
• Unlimited free ATM withdrawals at any Washington State Bank ATM 

Senior Citizens Checking

Our Senior Citizens Checking account will allow you the freedom to write unlimited checks and not pay a maintenance fee. Limit one account per customer.

• Minimum opening deposit of $100
• Shall be age 65 and over and have a direct deposit into the account
• No monthly maintenance fee
• First 50 checks ordered at no cost 

Student Checking

Our Student Checking account will allow you to have a checking account with no maintenance fee.  Limit one account per customer.

• Minimum opening deposit of $100
• Shall be an unmarried full time student
• No monthly maintenance fee
• Must provide current student ID at time of opening and update annually in January
• First 50 checks ordered at no cost 

Economy Checking

Our Economy Checking account will allow you to have a checking account with a low maintenance fee.

• Minimum opening deposit of $100
• $3.00 monthly maintenance fee
• The first three withdrawals or transfers in any statement cycle are free, each over 3 is $.35
• First 50 checks ordered at no cost  

Elite Checking

Our Elite Checking account offers accidental death/dismemberment coverage in addition to the services of a checking account.

• Minimum opening deposit of $100
• Accidental death/dismemberment coverage ranging from $10,000 to $30,000 for single and joint account holders   
• $1500 coverage for each dependent with the $30,000 coverage
• Unlimited check writing
• Two boxes of club checks free per year
• Bank money orders are 50% off
• Monthly maintenance fee is based on insurance coverage requested by the customers: 

Basic Plan – $  9.00
Personal Plan – $10.00
Family Plan – $11.00

• Monthly maintenance fee will be reduced by 50% if you maintain a minimum daily balance of $2,000

NOW Checking

Our NOW Checking account allows you to earn interest on the money in your checking account.

• Minimum opening deposit of $1,500
• $0.20 charge for each check/debit cleared in excess of 25 checks/debits during a statement cycle
• Interest accrues and is paid monthly
• No monthly maintenance fee with a daily balance of $1,500 or more during that statement cycle
• Monthly maintenance fee of $9.00 will be assessed if the daily balance falls below $1,500 on any day during a statement cycle

Money Market Account

Have you ever considered saving some of the money in your checking account, but still wanted some of the convenience of a checking account.  Our Money Market Account offers a great way for you to save money and earn interest, too.

• Minimum opening deposit of $2,500
• Earn interest as long as there is $2,500 in the account
• Based on federal regulation, six transactions per cycle are permitted.  Other restrictions may apply.
• No monthly maintenance fee with a daily balance of $2500 or more
• Monthly maintenance fee of $10.00 will be assessed if the daily balance falls below $2,500 on any day during a statement cycle

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