APY

3.30%

As of Nov 8, 2026. Rates are variable.

Washington Trust Bank · Checking account

Washington Trust HIGH YIELD CHECKING

$66 a year for an everyday customer. $12.5 a month. $50 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$66
APY
Monthly fee
To open

Against the market

How it ranks

#3of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Branch access
  • Budgeting tools
  • Debit card
  • Interest bearing
  • Mobile check deposit
  • Mobile wallet
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates by balance

$1 to $10,001
3.30%
$10,001 and up
0.20%

The bank’s rates · as of Nov 8, 2026

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$1watrust.com, checked Nov 8, 2026
To earn the APY
Certain interest tiers or APY qualifications may depend on the average daily balance maintained in the account.watrust.com, checked Nov 8, 2026
APY paid on balances up to
$10,000watrust.com, checked Nov 8, 2026
Interest compounds
Interest is posted monthly.watrust.com, checked Nov 8, 2026

Fees

Monthly fee
$12.50 a monthwatrust.com, checked Nov 8, 2026
Ways to avoid the monthly fee
$1,000 minimum ledger balancewatrust.com, checked Nov 8, 2026
Minimum to open
$50watrust.com, checked Nov 8, 2026
Overdraft fee
$15watrust.com, checked Nov 8, 2026
Returned item (NSF) fee
$15watrust.com, checked Nov 8, 2026
ATM network
WTB and MoneyPass ATMswatrust.com, checked Nov 8, 2026
Out-of-network ATM fee
$2.50watrust.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

See it on watrust.com

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