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Best Checking Accounts & Rates in Washington - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 22, 2026

The best checking rates for Washington include First Sound BankFirst Sound Bank925 4th Ave Ste 2350, Seattle, WA 98104A5.0 ★Texas Ratio: 9.17% PNW Premier Checking at 7.00% APY, Great Northwest Federal Credit UnionGreat Northwest Federal Credit Union301 W Wishkah St, Aberdeen, WA 98520 6130A+5.0 ★Texas Ratio: 4.37% Great Advantage Checking at 5.00% APY, Nordstrom Federal Credit UnionNordstrom Federal Credit Union1617 6th Ave Fl 5, Seattle, WA 98101A+5.0 ★Texas Ratio: 2.29% Youth Checking Account at 5.00% APY, Cascade Federal Credit UnionCascade Federal Credit Union18020 80th Ave S, Kent, WA 98032A+5.0 ★Texas Ratio: 3.26% Summit Checking at 5.00% APY, and Sno Falls Credit UnionSno Falls Credit Union320 SW Mt Si Blvd, North Bend, WA 98045A-4.9 ★Texas Ratio: 16.77% Youth Rewards Checking Account at 4.53% APY. Checking account rates as of April 22, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Washington side-by-side. Washington checking rates currently reach as high as 7.00% APY from First Sound Bank at 925 4th Ave Ste 2350, Seattle, WA, 98104. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Washington. Checking Account Rates Last Updated and Verified: April 22, 2026

Compare Checking Account Rates Today in Washington

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
PNW Premier Checking
7.00%
$25
View
▼
Rate6.78%
Min Deposit$25
Min Balance—
UpdatedApr 16, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St
Aberdeen, WA 98520 6130
Great Advantage Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S
Kent, WA 98032
Summit Checking
5.00%
$50
View
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1418 15th Ave
Longview, WA 98632
Elevate Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $30,000.00

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S
Olympia, WA 98501
lyfe Checking
4.13%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Premier Checking Account
4.00%
$0
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St
Vancouver, WA 98661
IOLTA Checking
2.82%
$0
View
▼
Rate2.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Basic Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W
University Place, WA 98467
Interest Plus Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$20,000 - $49,999

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Cartwheel Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
PNW Premier Checking
7.00%
$25
View
▼
Rate6.78%
Min Deposit$25
Min Balance—
UpdatedApr 16, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St
Aberdeen, WA 98520 6130
Great Advantage Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S
Kent, WA 98032
Summit Checking
5.00%
$50
View
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1418 15th Ave
Longview, WA 98632
Elevate Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $30,000.00

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S
Olympia, WA 98501
lyfe Checking
4.13%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Premier Checking Account
4.00%
$0
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St
Vancouver, WA 98661
IOLTA Checking
2.82%
$0
View
▼
Rate2.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Basic Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W
University Place, WA 98467
Interest Plus Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$20,000 - $49,999

WCLA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
2419 Pacific Ave SE
Olympia, WA 98501
50-Plus Checking (personal)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No min. balance

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S
Kent, WA 98032 4009
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Basic Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
Better-than-Basic Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Free Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S
Kent, WA 98032 4009
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

WCLA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
2419 Pacific Ave SE
Olympia, WA 98501
Basic Checking (personal)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
1811 N Hutchinson Rd
Spokane Valley, WA 99212 2444
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St
Vancouver, WA 98663
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000.00

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Youth Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Youth Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Teen Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Smart Checking (Youth)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Business Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1301 HIGHLAND AVE
CLARKSTON, WA 99403
Premium Business Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Business Interest Checking
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1301 HIGHLAND AVE
CLARKSTON, WA 99403
Premium Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Business Interest Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1301 HIGHLAND AVE
CLARKSTON, WA 99403
Business Non-Profit Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Business Essentials Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Premium Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Business Interest Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

UniBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.78%
19315 Highway 99
Lynnwood, WA 98036
Business Interest Checking (Sole Proprietorship, Attorney Trust Accounts, & Non-Profit Corporations only)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Washington Checking Rate Trends

Compare local Washington checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Washington Checking Trends →
High-Yield Checking — WA Avg
2.329%
▲ 0.134 vs 7 days ago

Washington high-yield checking rates rose 0.134 points over the past 7 days to 2.329% APY.

Free Checking — WA Avg
1.770%
▼ 0.039 vs 7 days ago

Washington free checking rates fell 0.039 points over the past 7 days to 1.770% APY.

As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Washington directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Washington. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in WA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Washington earn interest?

Most traditional local checking accounts in Washington earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Washington FDIC insured?

Yes. Legitimate banks with branches in Washington are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Washington

Based on our current data, some of the highest checking account APYs available to residents of Washington include:
  • First Sound Bank
    PNW Premier Checking — 7.00% APY
  • Great Northwest Federal Credit Union
    Great Advantage Checking — 5.00% APY
  • Nordstrom Federal Credit Union
    Youth Checking Account — 5.00% APY
  • Cascade Federal Credit Union
    Summit Checking — 5.00% APY
  • Sno Falls Credit Union
    Youth Rewards Checking Account — 4.53% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Washington. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 22, 2026

Washington Rates & Resources

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Checking Account Rates by City in Washington

  • Aberdeen
  • Acme
  • Addy
  • Adna
  • Airway Heights
  • Albion
  • Allyn
  • Almira
  • Amanda Park
  • Amboy
  • Anacortes
  • Anatone
  • Anderson Island
  • Appleton
  • Ardenvoir
  • Ariel
  • Arlington
  • Ashford
  • Asotin
  • Auburn
  • Bainbridge Island
  • Baring
  • Battle Ground
  • Bay Center
  • Beaver
  • Belfair
  • Bellevue
  • Bellingham
  • Belmont
  • Benge
  • Benton City
  • Beverly
  • Bickleton
  • Bingen
  • Black Diamond
  • Blaine
  • Blakely Island
  • Bothell
  • Bow
  • Boyds
  • Bremerton
  • Brewster
  • Bridgeport
  • Brinnon
  • Brownstown
  • Brush Prairie
  • Buckley
  • Bucoda
  • Buena
  • Burbank
  • Burley
  • Burlington
  • Burton
  • Camano
  • Camas
  • Camp Murray
  • Carbonado
  • Carlsborg
  • Carlton
  • Carnation
  • Carrolls
  • Carson
  • Cashmere
  • Castle Rock
  • Cathlamet
  • Centerville
  • Centralia
  • Chattaroy
  • Chehalis
  • Chelan
  • Chelan Falls
  • Cheney
  • Chewelah
  • Chimacum
  • Chinook
  • Cinebar
  • Clallam Bay
  • Clarkston
  • Clayton
  • Cle Elum
  • Clearlake
  • Clinton
  • Colbert
  • Colfax
  • College Place
  • Colton
  • Colville
  • Conconully
  • Concrete
  • Connell
  • Conway
  • Copalis Beach
  • Copalis Crossing
  • Cosmopolis
  • Cougar
  • Coulee City
  • Coulee Dam
  • Coupeville
  • Cowiche
  • Creston
  • Cunningham
  • Curlew
  • Curtis
  • Cusick
  • Custer
  • Dallesport
  • Danville
  • Darrington
  • Davenport
  • Dayton
  • Deer Harbor
  • Deer Park
  • Deming
  • Desert Aire
  • Dixie
  • Doty
  • Dryden
  • Dupont
  • Duvall
  • East Olympia
  • East Wenatchee
  • Easton
  • Eastsound
  • Eatonville
  • Edmonds
  • Edwall
  • Elbe
  • Electric City
  • Elk
  • Ellensburg
  • Elma
  • Elmer City
  • Eltopia
  • Endicott
  • Entiat
  • Enumclaw
  • Ephrata
  • Ethel
  • Evans
  • Everett
  • Everson
  • Fairfield
  • Fall City
  • Federal Way
  • Ferndale
  • Ford
  • Forks
  • Four Lakes
  • Fox Island
  • Freeland
  • Freeman
  • Friday Harbor
  • Fruitland
  • Galvin
  • Garfield
  • George
  • Gifford
  • Gig Harbor
  • Glenoma
  • Glenwood
  • Gold Bar
  • Goldendale
  • Goose Prairie
  • Graham
  • Grand Coulee
  • Grandview
  • Granger
  • Granite Falls
  • Grapeview
  • Grayland
  • Grays River
  • Greenacres
  • Greenbank
  • Hamilton
  • Hansville
  • Harrah
  • Harrington
  • Hartline
  • Hatton
  • Hay
  • Hazel Dell North
  • Heisson
  • Hobart
  • Hoodsport
  • Hooper
  • Hoquiam
  • Humptulips
  • Hunters
  • Husum
  • Ilwaco
  • Inchelium
  • Index
  • Indianola
  • Ione
  • Issaquah
  • Joyce
  • Kahlotus
  • Kalama
  • Kapowsin
  • Keller
  • Kelso
  • Kenmore
  • Kennewick
  • Kent
  • Kettle Falls
  • Keyport
  • Kingston
  • Kirkland
  • Kittitas
  • Klickitat
  • La Center
  • La Conner
  • La Grande
  • La Push
  • Lacey
  • Lacrosse
  • Lake Stevens
  • Lakebay
  • Lakewood
  • Lamona
  • Lamont
  • Langley
  • Latah
  • Laurier
  • Leavenworth
  • Lebam
  • Liberty Lake
  • Lilliwaup
  • Lincoln
  • Lind
  • Littlerock
  • Long Beach
  • Longbranch
  • Longmire
  • Longview
  • Loomis
  • Loon Lake
  • Lopez Island
  • Lummi Island
  • Lyle
  • Lyman
  • Lynden
  • Lynnwood
  • Mabton
  • Malaga
  • Malden
  • Malo
  • Malone
  • Malott
  • Manchester
  • Mansfield
  • Manson
  • Maple Falls
  • Maple Valley
  • Marblemount
  • Marcus
  • Marlin
  • Marshall
  • Marysville
  • Matlock
  • Mattawa
  • Mazama
  • Mccleary
  • Mckenna
  • Mead
  • Medical Lake
  • Medina
  • Menlo
  • Mercer Island
  • Mesa
  • Metaline
  • Metaline Falls
  • Methow
  • Mica
  • Milton
  • Mineral
  • Moclips
  • Mohler
  • Monitor
  • Monroe
  • Montesano
  • Morton
  • Moses Lake
  • Mossyrock
  • Mount Vernon
  • Mountlake Terrace
  • Moxee
  • Mukilteo
  • Naches
  • Nahcotta
  • Napavine
  • Naselle
  • Neah Bay
  • Neilton
  • Nespelem
  • Newman Lake
  • Newport
  • Nine Mile Falls
  • Nooksack
  • Nordland
  • North Bend
  • North Bonneville
  • North Lakewood
  • Northport
  • Oak Harbor
  • Oakesdale
  • Oakville
  • Ocean Park
  • Ocean Shores
  • Odessa
  • Okanogan
  • Olalla
  • Olga
  • Olympia
  • Omak
  • Onalaska
  • Orcas
  • Orient
  • Orondo
  • Oroville
  • Orting
  • Othello
  • Otis Orchards
  • Outlook
  • Oysterville
  • Pacific
  • Pacific Beach
  • Packwood
  • Palisades
  • Palouse
  • Paradise Inn
  • Parker
  • Parkland
  • Pasco
  • Pateros
  • Paterson
  • Pe Ell
  • Peshastin
  • Plymouth
  • Point Roberts
  • Pomeroy
  • Port Angeles
  • Port Gamble
  • Port Hadlock
  • Port Ludlow
  • Port Orchard
  • Port Townsend
  • Poulsbo
  • Prescott
  • Preston
  • Prosser
  • Pullman
  • Puyallup
  • Quilcene
  • Quinault
  • Quincy
  • Rainier
  • Randle
  • Ravensdale
  • Raymond
  • Reardan
  • Redmond
  • Redondo
  • Renton
  • Republic
  • Retsil
  • Rice
  • Richland
  • Ridgefield
  • Ritzville
  • Riverside
  • Rochester
  • Rock Island
  • Rockford
  • Rockport
  • Rollingbay
  • Ronald
  • Roosevelt
  • Rosalia
  • Rosburg
  • Roslyn
  • Roy
  • Royal City
  • Ryderwood
  • Saint John
  • Salkum
  • Sammamish
  • Satsop
  • Seabeck
  • Seahurst
  • Seattle
  • Seaview
  • Sedro Woolley
  • Sekiu
  • Selah
  • Sequim
  • Shaw Island
  • Shelton
  • Shoreline
  • Silvana
  • Silver Creek
  • Silverdale
  • Silverlake
  • Skamokawa
  • Skykomish
  • Snohomish
  • Snoqualmie
  • Snoqualmie Pass
  • Soap Lake
  • South Bend
  • South Cle Elum
  • South Colby
  • South Prairie
  • Southworth
  • Spanaway
  • Spangle
  • Spokane
  • Sprague
  • Springdale
  • Stanwood
  • Starbuck
  • Startup
  • Stehekin
  • Steilacoom
  • Steptoe
  • Stevenson
  • Stratford
  • Sultan
  • Sumas
  • Sumner
  • Sunnyside
  • Suquamish
  • Tacoma
  • Taholah
  • Tahuya
  • Tekoa
  • Tenino
  • Thornton
  • Thorp
  • Tieton
  • Tokeland
  • Toledo
  • Tonasket
  • Toppenish
  • Touchet
  • Toutle
  • Tracyton
  • Trout Lake
  • Tumtum
  • Tumwater
  • Twisp
  • Underwood
  • Union
  • Uniontown
  • University Place
  • Usk
  • Vader
  • Valley
  • Valleyford
  • Vancouver
  • Vantage
  • Vashon
  • Vaughn
  • Veradale
  • Wahkiacus
  • Waitsburg
  • Waldron
  • Walla Walla
  • Waller
  • Wallula
  • Wapato
  • Warden
  • Washougal
  • Washtucna
  • Waterville
  • Wauconda
  • Wauna
  • Waverly
  • Wellpinit
  • Wenatchee
  • West Richland
  • Westport
  • White Salmon
  • White Swan
  • Wilbur
  • Wilkeson
  • Wilson Creek
  • Winlock
  • Winthrop
  • Wishram
  • Woodinville
  • Woodland
  • Yacolt
  • Yakima
  • Yelm
  • Zillah