No Overdraft Fees

Simply Free

With Simply Free Checking you are free from bank overdraft fees, monthly fees and minimum balances. Simply open your account and pay for purchases using your debit card or mobile wallet.

Debit card and phone

Freedom Free Checking

Manage your money with free checking, digital banking, and online money management tools.

Phone and debit card

Freedom Plus® Relationship Checking

Enjoy extra account features based on your total banking relationship.

Debit card
Most Perks

Freedom Ultra® Checking

Enjoy our best rates on CDs, higher debit card limits, preferred rates on loans, and more, when you keep a high balance in your checking account.

Easy Online Account Opening

Opening an account online takes only a few minutes! Here's what you'll need to get started:

  • Your Social Security number - Your Social Security number allows us to adhere to government regulations and to verify your identity.
  • A Driver’s License - We request this additional information to assist with identity verification.
  • Funds – We require a minimum deposit to open your new account. You can fund your new account using one of the following methods: Credit/Debit, ACH, or another Washington Trust deposit account.

Compare a few of our checking account features

Simply Free
Freedom Free Checking
Freedom Plus® Relationship Checking
Freedom Ultra® Checking
$200* when you have 2 direct deposits (use code “Free200”)
Checkless account

No overdraft fees 1

No monthly fee

Relationship options to waive monthly fee 2

Free or Discounted Checks 3

Debit Card/ATM fee rebates 4

Higher Debit Card/ATM Daily Limits 5

CD and IRA Preferred Rates

Home Equity Loan Recording Fee Waiver 6

Additional Home Equity Line of Credit Rate Discount 6

Free incoming wires

Which account is right for you?

Review full details of our checking accounts.

Prefer not to carry cash and checks?

Use your Washington Trust debit card to withdraw cash at ATMs, make deposits and make purchases at retailers in store or online. Purchase amounts are automatically deducted from your Washington Trust checking account.

  • Convenience – Access to your money anytime, anywhere and make purchases at retailers in store or online and add your Washington Trust Debit Card to your Mobile Wallet to use Apple Pay®, Google Pay™ and Samsung Pay™.
  • Security – Protection against unauthorized purchases and it’s a safer alternative to carrying cash
  • Savings - Turn your virtual spare change into savings with our Add-It-Up feature! Every time you use your Washington Trust debit card, the amount charged to your checking account will be rounded up to the next dollar and the difference automatically transferred to the account of your choice.

1 We may decline or return transactions that would result in an overdraft. Payees or merchants may still charge a fee.

2 Freedom Ultra Checking: Daily minimum balance of $15,000 required to avoid monthly service charge of $25.00. Freedom Plus Relationship Checking: $5,000 or more aggregate average collected balance in any Washington Trust deposit account and/or outstanding principal balance of any combination of Washington Trust consumer loans and mortgages on the last day of the statement period required to avoid monthly service charge of $15.00.

3 Freedom Ultra Accounts: Free check orders through Washington Trust, personal single or duplicate wallet style. Freedom Plus Accounts: One (1) free basic check style through Washington Trust per calendar year, restrictions may apply.

4 Other banks may charge for use of their ATMs. Washington Trust will refund: Freedom Plus Checking - up to four (4) domestic Non-Washington Trust ATM fees at the end of each statement cycle. Freedom Ultra Checking – Unlimited Non-Washington Trust ATM fees at the end of each statement cycle. May be subject to IRS reporting. Please consult your tax advisor.

5 World Debit Black Card offers a 5,000 per day point-of-sale transaction limit, and daily cash withdrawals of up to $1,000.

6 Applies to new Home Equity Lines of Credit only. Home Equity Lines of Credit and Home Equity Loans are subject to credit approval.

* Annual Percentage Yield (APY) effective as of September 18, 2023, and may vary after account opening. Freedom Free Checking: under $5,000 APY is 0.00%, $5,000 and over is 0.01%; Simply Free Checking under $5,000 APY is 0.00%, $5,000 and over is 0.01%; Freedom Plus Checking: under $1,500 APY is 0.00%, $1,500 and over is 0.05%; Freedom Ultra Checking: under $1,500 APY is 0.00%, $1,500 and over is 0.10%. Customer must open a new consumer checking account with funds from sources other than Washington Trust. Two direct deposits from payroll, social security, pension, or other government benefits are required within 90 calendar days of the account opening date. Deposits received from Person-to-Person (P2P) services do not qualify e.g., Venmo®, Pay Pal®, etc. After the second direct deposit has been credited to your account, Washington Trust will make a $200.00 deposit within 30 calendar days. For additional information, please refer to the Consumer Terms and Conditions of your account. Minimum balance to open account is $25. Limited to one cash deposit bonus per tax reported owner per account. Not available to customers who received a cash deposit bonus on a previous Washington Trust account within the last two years of this account opening date. Offer is for a limited time and may be withdrawn at any time. Subject to 1099 reporting. Fees may reduce earnings.

Member FDIC