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Applicable state law requires that certain service charges and fees be subject to sales tax.


Hometown Checking

  • Minimum balance to open the account – None
  • Minimum balance to avoid imposition of fees – None
  • Account requirements – Must have eStatements, eNotices & NetTeller


Spirit Checking

  • 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 the other Washington State Bank checking account products.


Regular Checking

  • Minimum balance to open the account - $50.00. This will not apply to students (full-time) up to the age of 23, trusts, estates, public funds, and persons 62 years of age or older. You must notify us of your status to qualify for this exemption.
  • Minimum balance to avoid imposition of fees – A service charge of $3.00 plus sales tax will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle. This fee will not apply to students (full-time) up to the age of 23, 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 plus sales tax will be imposed every statement cycle if 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 & annual percentage yield may change.
  • Frequency of rate change – 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).


Student Checking

  • Minimum balance to open the account – None
  • Minimum balance to avoid imposition of fees – None
  • Account Requirements – Full-time student up to the age of 23 years old. 


62 & Over

  • Minimum balance to open the account – None
  • Minimum balance to avoid imposition of fees – None
  • Account Requirements – Must be 62 years of age or older.