Click to Reveal Pro Tips
WaFd Bank offers Overdraft Protection. Instead of paying a $30 fee if you swipe your card for more than you have, you can link your WaFd Savings Account or a Line of Credit to your Checking Account. If a transaction pushes your checking balance below zero, the bank automatically pulls the exact funds needed from your savings account.
Log into your WaFd App and navigate to "Transfers." Set up a recurring transfer of 10% of your paycheck directly into your Money Market or Savings account for the day *after* you get paid. You will never see the money in your checking, meaning you won't spend it, building a massive emergency fund on autopilot.
WaFd Bank's fraud algorithms are highly sensitive. If you buy a coffee in Paris without warning them, your card will likely be frozen for your protection. Use the Mobile App to set a "Travel Notice." Input your destination countries and travel dates so you can use your debit card internationally without interruption.
Go to settings in your WaFd Mobile App and enable Biometric Login (FaceID or Fingerprint) AND Two-Factor Authentication. Furthermore, turn on "Push Notifications" for every transaction over $1. If your card is ever skimmed, you will instantly get a notification on your phone when the thief tries to buy something, allowing you to freeze the card in the app immediately.