online savings account<\/a><\/strong>, checking account holders will receive an APY of 0.10% if their minimum daily balance is below $15,000 or an APY of 0.25% if they exceed the $15,000 mark.<\/p>\n\n\n\nLike its saving counterpart, the Interest Checking Account has no monthly or minimum fees. When accessing ATMs, Ally customers can visit any of the 55,000 toll-free ATMs on the Allpoint ATM network in the US and around the world.<\/p>\n\n\n\n
If you can’t get to an Allpoint computer, Ally will reimburse up to $ 10 in off-network ATM fees per statement cycle.<\/p>\n\n\n\n
Finding a toll-free ATM shouldn’t be too tricky, as Ally’s Apple and Android apps have an ATM. Other benefits customers can take advantage of include online bank statements and transaction histories, mobile check deposits, s, and a peer-to-peer money transfer program called Zelle\u00ae.<\/p>\n\n\n\n
Account Type<\/strong>: Online savings account
Rate<\/strong>: 0.60% APY
Minimum deposit<\/strong>: $ 0<\/p>\n\n\n\n#2. Chase Bank<\/strong><\/span><\/h3>\n\n\n\nChase Bank gives Washington residents access to a whopping 202 branches across the state. This is the best of any bank in Washington. <\/p>\n\n\n\n
You can also find Chase branches in 25 other states, which makes traveling very convenient. You also have online and mobile access to your accounts wherever you are.<\/p>\n\n\n\n
You can open different accounts with Chase. You can check out some savings accounts, certificates of deposit (CDs), and other checking accounts.<\/p>\n\n\n\n
Pay attention to each account’s monthly fees, ATM fees, and more. Chase doesn’t have the best interest rates, with most accounts earning at the lowest possible interest rates.<\/p>\n\n\n\n
Account Type<\/strong>: saving account
Rate<\/strong>: 0.01% APY
Minimum deposit<\/strong>: $25<\/p>\n\n\n\nCIT Bank Savings Builder Account<\/strong><\/span><\/h3>\n\n\n\nThe CIT Savings Builder account is an excellent choice if your main goal is to save money. Those who manage to deposit at least $100 per month or maintain a balance of $25,000 will receive a substantial APY of 0.45%.<\/p>\n\n\n\n
Should you miss these two requirements? CIT will lower your rate to a lower 0.29% if you miss these two requirements. The Savings Builder account only requires an initial deposit of $100, making it an extremely accessible choice for just about anyone.<\/p>\n\n\n\n
CIT is a savings bank that is managed from its savings bank account. However, the bank also offers many other savings options, including:<\/p>\n\n\n\n
\n- Money Market Account<\/li>\n\n\n\n
- Premier High Yield Savings Account<\/li>\n\n\n\n
- CDs with a term of 6 months to 5 years<\/li>\n\n\n\n
- 2- to 5-year-old jumbo CDs<\/li>\n\n\n\n
- 1- to 4-year-old “RampUp” CDs<\/li>\n\n\n\n
- No penalty \/ 11-month CD<\/li>\n<\/ul>\n\n\n\n
When you open a CIT bank account, you will be asked to create a login for the online and mobile banking services. Apple and Android users can download the bank’s app, currently rated 3.85 out of 5 stars in the two app stores.<\/p>\n\n\n\n
These platforms allow you to view your bank statements and transaction histories, remotely deposit checks, and make transfers between accounts without going to a branch.<\/p>\n\n\n\n
Account Type<\/strong>: Savings Builder Account
Rate<\/strong>: 0.45% APY
Minimum deposit<\/strong>: $100<\/p>\n\n\n\nUmpqua Bank<\/strong><\/span><\/h3>\n\n\n\nUmpqua Bank, headquartered in Oregon, has 83 branches in neighbouring Washington state. You can visit the bank at one of these branches or online to open one of their accounts.<\/p>\n\n\n\n
The bank offers a simple savings account, two money market accounts (MMAs) and three checking accounts. A monthly fee is charged for each account. However, you can waive these fees by meeting the transaction or balance requirements.<\/p>\n\n\n\n
Unfortunately, Umpqua Bank offers some of the lowest interest rates in the industry. If you’re looking for the best CD instalments or high earning savings accounts, you won’t find them here.<\/p>\n\n\n\n
Account Type<\/strong>: Savings Account
Rate<\/strong>: 0.01% APY
Minimum deposit<\/strong>: $25<\/p>\n\n\n\nWaFd Bank Passbook & Statement Savings Account<\/strong><\/span><\/h3>\n\n\n\nThe WaFd Bank Passbook & Statement savings account earns 0.10% APY. You need at least $ 25 to open the account or $ 10 for minors.<\/p>\n\n\n\n
However, to earn interest, you need at least $ 100. A $ 4 monthly fee can be waived with a balance of $ 200 or more.<\/p>\n\n\n\n
Account Type<\/strong>: Savings Account
Rate<\/strong>: 0.10% APY
Minimum deposit<\/strong>: $25<\/p>\n\n\n\nBanner Bank<\/strong><\/span><\/h3>\n\n\n\nFor the best banking customer service in the North West, contact Banner Bank. You can find the bank in any of its 82 Washington branches. The bank has additional branches in California, Idaho and Oregon.<\/p>\n\n\n\n
You can also contact customer service by mail, phone during business hours, or the 24\/7 automated telephone system. The website also has several links that you can use to report fraudulent activity, report lost or stolen cards, add travel settings, and much more.<\/p>\n\n\n\n
The Banner Bank offers a variety of bank accounts, from savings accounts to long-term CDs to interest-bearing checking accounts.<\/p>\n\n\n\n
Most Banner Bank accounts charge a monthly fee. However, if there is a fee, you can forego it with specific transaction or balance qualifications.<\/p>\n\n\n\n
Account Type<\/strong>: Connected Account
Rate<\/strong>: 0.05% APY
Minimum deposit<\/strong>: $25<\/p>\n\n\n\nUmpqua Bank Embark Checking Account<\/strong><\/span><\/h3>\n\n\n\nThe best regional bank in Washington offers customers the best free checking account. The Embark Checking account does not charge a monthly service fee. You could expect a $3 fee if you opt for paper statements.<\/p>\n\n\n\n
You can sign up for paperless statements or be 62 or older to avoid this paper statement fee.<\/p>\n\n\n\n
Umpqua will refund you up to $10 in ATM fees if you have an account balance of at least $2,500. However, be careful when using ATMs outside of the network, as Umpqua Bank charges a fee of $2.50 per transaction.<\/p>\n\n\n\n
You can also open an Umpqua Grow Savings account with no monthly service fee by connecting the two accounts and making a monthly transfer from exam to savings.<\/p>\n\n\n\n
Account Type<\/strong>: Checking Account
Rate<\/strong>: 0.00% APY
Minimum deposit<\/strong>: $25<\/p>\n\n\n\nHomeStreet Bank Premium Select Checking Account<\/strong><\/span><\/h3>\n\n\n\nThe HomeStreet Bank Premium Select current account earns interest according to the balance levels, with higher credit earned at a slightly higher interest rate. You need at least $100 to open an account but at least $2,500 to earn 0.05% APY interest.<\/p>\n\n\n\n
Credit of $10,000 brings a higher rate of 0.10% APY. The account charges a monthly fee of $10, which you can avoid by maintaining a minimum daily balance of $2,500. <\/p>\n\n\n\n
Two free transactions at ATMs of non-HomeStreet banks are permitted per account statement cycle.<\/p>\n\n\n\n
Account Type<\/strong>: Premium Select Checking Account
Rate<\/strong>: 0.05% APY
Minimum deposit<\/strong>: $2500<\/p>\n\n\n\nU.S. Bank<\/strong><\/span><\/h3>\n\n\n\nThe US Bank’s Student Checking Account is an excellent option for Washington students. There is no monthly service fee to worry about, which is helpful on the student budget.<\/p>\n\n\n\n
If you go old school and still receive paper statements, there is a $2 fee for each, while there is no additional charge for eStatements.<\/p>\n\n\n\n
The account also includes a useful ATM function. If you need and need cash, the US bank allows four free ATM transactions per billing cycle at ATMs outside the US.<\/p>\n\n\n\n
The ATM may charge a small fee, but the US bank does not charge any fees.<\/p>\n\n\n\n
Account Type<\/strong>: Savings Account
Rate<\/strong>: 0.01% APY
Minimum deposit<\/strong>: $25<\/p>\n\n\n\n