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PERSONAL - CHECKING
With today's advanced technology, it's now easier than ever for thief's to steal your bank information. 
 
Here are some tips on how to protect yourself: 
- Use WSB Bill Pay to pay your bills. This way, we're sending the checks out for you from a safe account.   
- If your monthly checks for bills fell into the wrong hands, they would have your routing #, account # & signature all readily available. 
- Also, use a WSB Photo Debit Card instead of writing checks. A debit card is much safer, easier to use &  if lost, can easily  be replaced.  
- If you lose your checks, you would have to close your account & open a entirely new one. 


We offer a wide variety of checking accounts in order to best fit the needs of each & every customer.  Please review the chart below in order to find the checking account that works the best for you & your financial goals. If you have any questions or would like additional information, click here to contact a Customer Service Representative. 
 
Hometown Checking Account 
 
Minimum balance to open the account - None 
Minimum balance to avoid imposition of fees - None 
Account requirements - Must have eStatements, eNotices & NetTeller. 
 
Regular Checking Account 
 
Minimum balance to open the account - $50.00   
Minimum balance to avoid imposition of fees - A service charge of $3.00 will be imposed every statement cycle if the balance in  the account falls below $300.00 any day of the cycle.  This service charge will not apply to students (full-time) up to the age of 23, nonprofit organizations, trusts, estates, public funds, and persons 62 years of age or older.  You must notify us of your status to qualify for this exemption. 
 
NOW Account 
 
Minimum balance to open the account - $750.00   
Minimum balance to avoid imposition of fees - A service charge of $3.00 will be imposed every statement cycle if the balance in  the account falls below $750.00 any day of the cycle.   
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield. 
Rate Information- Your interest rate and annual percentage yield may change. 
Frequency of Rate Changes - We may change the interest rate on your account at any time. 
Determination of rate - At our discretion, we may change the interest rate on your account. 
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.  
Daily balance computation method - We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.   
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. (for example, checks) 
 
Spirit Checking Account 
 
Minimum balance to open the account - $50.00 
Minimum balance to avoid imposition of fees - None 
Account service charge - $5.00 plus sales tax per month 
Account details - This account is for consumers who want to have a checking account but due to their credit score (under 620) are not eligible for other Washington State Bank checking account products. 

FDIC
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