Digital Banking FAQs

Yes, your Username and Password are the same regardless of the method (computer or phone) you use.

Online Banking access may be reset by selecting the Forgotten Password/Username link available within the Online Banking login box. Please follow these instructions:

Click the "Forgot Username or Password link" and confirm acceptance of the Password Reset prompt as Step 1 of the Password Reset process.

• Following Steps 2 through 5 as outlined, confirm as a person you'd like to reset your password and enter the requested verification information.  Following confirmation via One Time Passcode, you'll be prompted to enter and confirm a new Password.
• For Username Recovery: An email will be sent to the address on file.

Reset access on your Mobile App by tapping ‘More’ and ‘Recover Credentials’.

If you continue to have trouble with resetting your Online Banking, please contact our Customer Solutions Center at 800-475-2265. Representatives are available Monday through Thursday from 8:30 AM until 5:00 PM, Friday from 8:30 AM until 6:00 PM, or Saturday from 8:30 AM until 1:00 PM.

If your mobile device, tablet, or computer are lost, stolen, or compromised, please contact us at (401) 348-1200.

You can access all active checking, savings, loan, or CD accounts in your name.

Up to 2 years of history is available under "Accounts". 

Passwords must be changed once every 365 days.  

When creating a new password, you cannot select a password that matches your current password or the password previously used.

You can easily reorder, nickname and hide accounts in Digital Banking. 
To nickname or hide an account: 
•    Choose Settings, then Accounts.
•    Choose your account and click on the pencil to rename and/or hide accounts
•    Click on Settings. Within Settings, choose Accounts
•    From there, you can choose Reorder Accounts

You can also change the order in which your accounts using the desktop version. 
•    Click on the profile box on the top right and choose Settings. 
•    Within Settings, choose Accounts
•    Choose Reorder or click on the pencil to also rename and/or hide accounts

You'll be able to see your Debit Card transactions that have been authorized but not yet posted, as well as pending ACH withdrawals and Direct Deposits that are scheduled to be deposited to your account in the next few business days.

The available balance in your deposit account is the current account balance minus temporary debit authorization holds, funds availability delay holds, or any other holds on funds. It does not include pending ACH transactions, lines of credit or other linked deposit account balances, which may also be available for purchases and withdrawals. For more information, please refer to the Consumer Account Terms and Conditions.

Bill Payment allows you to send payments to Billers or Payees.  The payment method (electronic or check) is determined once you've added the recipient to the system.

External Transfers provides access to sending funds between your accounts at Washington Trust and your other financial institutions.  This includes transferring funds between deposit or brokerage accounts.

Zelle allows you to send or receive funds between people you know.  Like paying with cash, but easier - simply select your recipient from your phones contact list and send funds right away.

 Hiding & Deleting Payees - Step-by-Step

Your Washington Trust accounts will be listed automatically.  To add accounts, select the Transfer, Pay or Send menu and click External Transfers. Select +Link an External Account. 

• Depending on the financial institution being added, you may be able to immediately link the account by logging into your Online Banking at that institution.  You can look up your bank using the search function, and if available, follow the prompts to log in to your bank to complete linking of external account. When done, click “Save & Finish” or “Save & link more accounts”
• If you cannot login to your bank or it is not listed, follow the prompts to validate your account manually. Enter routing number and account number. If immediate validation isn't available, Microdeposits will be sent to your account to be validated within the service within 1-2 business days.
   

Yes, payments may be canceled within the service.  Select the payment within the Activity menu to Edit or Cancel the payment.  If you don't see this option, the payment may already be in process.  Contact us at 401-348-1200 for additional assistance. 

Your payment will be processed on the next business day.

When sending funds from Washington Trust to another person or institution, the payment will not process if there are not sufficient funds in your Washington Trust account. 

If you have instructed Washington Trust to withdraw funds from an account at another institution and there are not sufficient funds, it will depend on that bank to pay or return your request.  Please refer to your other institution for assistance. 

Transfer & Payment limits are listed within the service when scheduling a transaction.

• Bill Payment - Check Payments are typically received within 5-7 business days while electronic payments are received in 1-3 business days.
• External Transfers - Transfers are typically received within 1-3 business days.
• Zelle - If both the sender and recipient are already enrolled with Zelle, the money is typically available almost immediately—often in just a few minutes.
   

Yes, you can set up a future-dated, one-time transfer or you can schedule a recurring transfer.

International transfers are not available through these services.
 

If your payment or transfer has not occurred as expected or you noticed a transaction that you didn't perform, contact Washington Trust as soon as possible at 401-348-1200 for assistance.

Once you complete and submit the Bill Payment Registration, you can start paying bills right away.