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Hometown Checking

  • No minimum balance to open account
  • No minimum balance to avoid imposition of fees
  • Must enroll in eStatements, eNotices & Online Banking


Spirit Checking

  • $50 minimum balance to open account
  • No minimum balance to avoid imposition of fees
  • $5.00 account service charge plus sales tax per month
  • 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.


Regular Checking

  • $50 minimum balance to open the account. Minimum balance does not apply to trusts, estates and public funds. 
  • $3.00 service charge 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 trusts, estates and public funds. 


NOW Account

  • $750.00 minimum balance to open the account
  • If the account falls below $750.00 any day of the statement cycle, a service charge of $3.00 plus sales tax will be imposed.
  • You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.
  • Your interest rate & annual percentage yield may change.
  • We may change the interest rate on your account at any time.
  • 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. Interest will be compounded and credited to your account every month.
  • 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

  • No minimum balance to open the account
  • No minimum balance to avoid imposition of fees
  • Account available to full-time college students up to 23 years old


62 & Over

  • No minimum balance to open the account
  • No minimum balance to avoid imposition of fees
  • Account available to customers 62 and over


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