Washington Trust | Checking Accounts
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No Minimum Balance

Student Checking

A great way to start banking, with no overdraft fees, or minimum balances. Pay for purchases using your debit card or mobile wallet, and “earn while you learn” with Financial Education.
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No Overdraft Fees

Simply Free

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 like ATM fee rebates, based on your total banking relationship.

Debit card
Most Perks

Freedom Ultra® Checking

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

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New Service!

Switching is easy with ClickSWITCH™!

Securely and conveniently switch your direct deposits, automatic payments, and debit card auto-pays from your old account to your Washington Trust account through online banking.

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 - This allows us to adhere to government regulations and to verify your identity.
  • A Driver’s License - We request this information to assist with identity verification.
  • Funds – 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

Student Checking
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 or options to waive monthly fee 2

Check Order Discounts 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

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.

  • Convenience – Add your  Debit Card to your Mobile Wallet to use Apple Pay®, Google Pay™ & Samsung Pay™.
  • Security – Protection against unauthorized purchases and safer than carrying cash
  • Savings - Turn your virtual spare change into savings with our Add-It-Up feature!

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

2 Student Checking: No monthly fees if the primary account holder is 22 years of age or less; $7.00 monthly fee when the primary account holder reaches 23 years of age.; 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.; Freedom Ultra Checking: Daily minimum balance of $15,000 required to avoid monthly service charge of $25.00.

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

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 Home Equity Loan recording fee waiver. Additional Home Equity Line of Credit rate discount. Applies to new Home Equity Loans or 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 January 25, 2024, and may vary after account opening. Student 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 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®, PayPal®, 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.

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