WaFd BankChecking accountChecked Oct 10, 2026Updated
WaFd Interest Account
2.50%APY · as of Oct 10, 2026
- A year for an everyday customer
- −$142 fees and interest, $2,000 kept
- Monthly fee
- $12 a month
- To open
- $25 to open
- On our list
- #809 of 986 checking accounts, by a year’s value for an everyday customer
Visit WaFdThe bank’s own page · checked Oct 10, 2026
Rates by balance
| Balance | APY |
|---|---|
| $0 to $99,999 | 0.25% |
| $500.01 to $1,000 | 2.50% |
| $1,000 and up | 0.10% |
| $100,000 to $249,999 | 0.25% |
| $250,000 and up | 0.25% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
Fees
- Monthly fee
- $12 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- an average balance of $5,000
- combined $50,000 balance in related accounts
- Minimum to open
- $25Source · checked Oct 10, 2026
- Overdraft fee
- $30Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $30Source · checked Oct 10, 2026
- Overdraft transfer fee
- NoneSource · checked Oct 10, 2026
- Most overdraft fees in a day
- 3Source · checked Oct 10, 2026
- ATM network
- Thousands of Fee-Free ATMsSource · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 1%Source · checked Oct 10, 2026
- Incoming domestic wire
- $15Source · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Incoming international wire
- $15Source · checked Oct 10, 2026
- Outgoing international wire
- $45Source · checked Oct 10, 2026
- Paper statements
- $5 a monthSource · checked Oct 10, 2026
- Inactivity fee
- $5Source · checked Oct 10, 2026
- Cashier’s check
- $8Source · checked Oct 10, 2026
- Stop payment
- $30Source · checked Oct 10, 2026
- Card replacement
- $5Source · checked Oct 10, 2026
Who can open it
- Where
- Arizona, California, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, WashingtonSource · checked Oct 10, 2026
Features
Bill payBranch accessBudgeting toolsCheck writingContactless cardDebit cardFree checksFree external transfersInterest bearingMobile check depositOnline openingOverdraft line of creditOverdraft protection transferSupport 24/7Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money