Personal Checking Accounts
Free Checking
- Monthly Fee: $0
- Minimum Opening Deposit: $25
- Minimum Balance: None
- Features: Free debit card, Online & Mobile Banking, Bill Pay.
Stellar Plus Checking
- Monthly Fee: $10 (Waived with $20k combined balance)
- Minimum Opening Deposit: $100
- Interest: Yes, tiered rates
- Features: Free cashier's checks, free paper statements.
Fresh Start Checking
- Monthly Fee: $5
- Minimum Opening Deposit: $25
- Purpose: For those rebuilding bank history.
- Features: No overdraft fees, path to standard checking.
Common Incidental Fees
| Service / Incident | Fee Amount | How to Avoid |
|---|---|---|
| Out-of-Network ATM Fee | $2.50 per transaction | Use WaFd or MoneyPass network ATMs. |
| Overdraft / NSF Fee | $30.00 per item | Link a savings account for overdraft protection. |
| Domestic Wire Transfer (Out) | $30.00 | Use Zelle or ACH for smaller, non-urgent transfers. |
| Stop Payment Request | $30.00 | Manage recurring subscriptions directly with merchants. |