Personal Banking

Checking. Savings. Loans. Credit Cards & More.

ACCOUNTS (Checking, Savings, Etc.)

*click on the + sign to find out more about each account type

FREE CHECKING

Minimum Balance: None

  • No monthly service charge
  • No checks or images returned
  • Overdraft Privilege available
  • Free Online Banking
  • Online Bill Pay free for 30-day trial, then $2.95 per month for 10 bill payments, additional payments $.50 each, $2.95 waived with a Monthly Direct Deposit
  • Minimum $25.00 deposit to open account
REGULAR CHECKING

Minimum Balance to avoid service charge: $400
($399.99 and below – $5.00/monthly charge)

  • Overdraft Privilege Available
  • Free Online Banking
  • Online Bill Pay
    • No service charge for first 10 bill payments per statement
    • $.50 each bill payment exceeding the 10 free payments
  • Minimum $25.00 deposit to open account
NOW CHECKING

Minimum Balance: $1000.00 to avoid service charge

  • Competitive Interest Rate
  • $10.00 fee will be imposed if the balance falls below $1000.00
  • Free Online Banking
  • Online Bill Pay
    • No service charge for first 10 bill payments per statement
    • $.50 each exceeding the 10 free bill
  • Minimum $1000.00 deposit to open account
SUPER NOW

Minimum Balance: $2500.00

  • Interest Rate in four tiers to maximize your return
  • $10.00 fee will be imposed if the balance falls below $2,500.00
  • A service charge of $.15 will be charged for each transaction in excess of 10 during a statement cycle
  • Online Bill Pay
    • No service charge for first 10 bill payments per statement
    • $.50 each exceeding the 10 free bill payments
  • Minimum $2500.00 deposit to open account
MONEY MARKET

Minimum Balance: $2,500.00

  • Interest Rate in four tiers to maximize your return
  • $10.00 fee will be imposed if the balance falls below $2,500.00
  • 6 transfers per statement cycle
  • Free Online Banking
SAVINGS

Minimum Balance: $100 to avoid service charge

  • Competitive Interest Rate
  • $3.00 service charge if minimum balance falls below $100 any day of the month
  • 4 withdrawals per month free, $.50 charge for each in excess of 4 per month
  • Free Online Banking
  • 18 years & younger
    • No service charge
  • Minimum $25.00 deposit to open account
CHRISTMAS CLUB

Minimum Balance: None

  • Competitive Interest Rate
  • No withdrawals during year
  • Check mailed to you at the end of October
GOLDEN HARVEST CLUB

Minimum Balance: None

  • For those 62 & older
  • Free basic Check imprinting
  • No service charge on personal checking accounts
  • No service charge for stop payments

LOANS (Mortgages, Vehicle, Personal, Etc.)

*click on the + sign to find out more about each account type

MORTGAGE LOANS

Finally found that dream home? Visit us so we can help you see your dream home become real! Washington State Bank offers a variety of loan programs, and all of our decisions are made locally. We have experienced lenders who are happy to help you through the confusing process of home buying.

If you’re beginning to shop for your dream home, you can still start the process by obtaining a pre-qualification letter from us!

If you’re looking for a home in a rural community, we also offer Rural Development home loans, which are sponsored by the USDA. These loans are designed to help qualified borrowers with no down payment in rural communities. See us for a list of eligible communities for more details!

*Offer is subject to credit approval.

HOME IMPROVEMENT LOANS

Have you finally decided to renovate your kitchen? Need to consolidate debt? Looking to improve your home in some other way? Look no further than Washington State Bank!

If you need to borrow one time to improve your home, a home improvement loan from Washington State Bank may be the way to go. You’ll receive all of your funds at once and pay them back on a fixed repayment schedule. Contact us for more information!

*Offer is subject to credit approval.

VEHICLE LOANS

There’s nothing like the feeling of driving a new vehicle! Let us help you experience that feeling with a vehicle loan through Washington State Bank. All of our decisions are made quickly and locally, so you can be on the road in no time! We offer financing on new and used vehicles including cars, trucks, motorcycles, boats, RVs, and more!

We have a variety of terms to help fit your needs. Let us help you!

*Offer is subject to credit approval.

PERSONAL LOANS

Did an unexpected expense come up? We offer many options to help. We can provide funds for almost anything you can imagine so give us a call and see how we can help you!

*Offer is subject to credit approval.

STUDENT LOANS

iHELP is a simple way to get student loans for college
The iHelp Student Loan is a private student loan designed to help pay for college. Contact us for more information!

*Offer is subject to credit approval.

CREDIT CARDS (Points, Cash Back, Etc.)

*click on the + sign to find out more about each account type

PERSONAL CREDIT CARDS

Washington State Bank | Mastercard®

WSB Personal MasterCard Application
  • No Annual Fee
  • Low Introductory Rate
  • Exceptional Features & Benefits
  • Flexible Reward Options

It’s Your Choice

Choose the card that’s just right for you – low rates, rewards, and a world of additional benefits and flexibility.  It’s purchasing power for whatever you need, whenever you need it.

Reward Yourself

With Preferred Points, earn one point for each dollar you spend, up to 10,000 points per month and redeem anytime – for anything you choose.

  • Cash Back
    The convenience of cash when you want it.  Redeem points to shop, dine, or have a night on the town.
  • Travel
    Treat yourself to a vacation with free round trips, discounted airfare, hotel stays, and cruises.
  • Gift Cards, Merchandise, and More
    Gift cards from your favorite retailer, name brand merchandise or electronics – just for you.

3,000 Free Bonus Points

Use your new card each month during the first three months after receipt and earn 1,000 free bonus points each month!

It’s the only card you need for everything you need to do – just for you from Washington State Bank.

Extraordinary Benefits (MasterCard® Platinum)

  • Travel accident insurance and Baggage Delay Benefit
  • Car Rental Collision Damage Waiver
  • Optional Rewards
  • Price Protection
  • Extended Warranty
  • Purchase Assurance
  • Travel Assistance & Emergency Services

A World of Exclusive Advantages (MasterCard® World Card)

  • Outstanding Rewards
  • Concierge Services
  • Travel Accident Insurance and Baggage Delay Benefit
  • Car Rental Collision damage Waiver
  • Price Protection
  • Extended Warranty
  • Purchase Assurance
  • Travel Assistance & Emergency Services
WSB Personal MasterCard Application