APY
2.50%
As of Nov 8, 2026. Rates are variable.
WaFd Bank · Checking account
WaFd Interest Checking
−$142 a year for an everyday customer. $12 a month. $25 to open.
- A year, everyday customer
- −$142
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer document · wafdbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · wafdbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · wafdbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#879of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Branch access
- Budgeting tools
- Contactless card
- Debit card
- Free checks
- Interest bearing
- Joint accounts
- Mobile check deposit
- Online opening
- Overdraft line of credit
- Overdraft protection transfer
- Support 24/7
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $99,999
- 0.10%
- $500.01 to $1,000
- 2.50%
- $1,000 and up
- 0.10%
- $100,000 to $249,999
- 0.15%
- $250,000 and up
- 0.25%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0wafdbank.com, checked Nov 8, 2026
- Interest compounds
- monthlywafdbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $12 a monthwafdbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Monthly account fee is waived with an average balance of $5,000
- combined $50,000 balance in related accounts
- Minimum to open
- $25wafdbank.com, checked Nov 8, 2026
- Overdraft fee
- $30wafdbank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $30wafdbank.com, checked Nov 8, 2026
- Overdraft transfer fee
- Nonewafdbank.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 3wafdbank.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1%wafdbank.com, checked Nov 8, 2026
- Incoming domestic wire
- $15wafdbank.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30wafdbank.com, checked Nov 8, 2026
- Incoming international wire
- $15wafdbank.com, checked Nov 8, 2026
- Outgoing international wire
- $50wafdbank.com, checked Nov 8, 2026
- Inactivity fee
- $5wafdbank.com, checked Nov 8, 2026
- Cashier’s check
- $8wafdbank.com, checked Nov 8, 2026
- Stop payment
- $30wafdbank.com, checked Nov 8, 2026
- Card replacement
- $5wafdbank.com, checked Nov 8, 2026
Who can open it
- Where
- Arizona, California, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washingtonwafdbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money