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Best Banks & Checking Accounts in Seattle, Washington - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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 Seattle, 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, 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, Seattle Metropolitan Credit UnionSeattle Metropolitan Credit Union303 NE Thornton PL, Seattle, WA 98125A+5.0 ★Texas Ratio: 5.24% IOLTA Checking at 1.51% APY, Sound Community BankSound Community Bank2400 3rd Ave, Seattle, WA 98121A+5.0 ★Texas Ratio: 2.09% Interest Plus Checking at 0.75% APY, and Verity Credit UnionVerity Credit Union1660 S Columbian Way Bldg 35, Seattle, WA 98108 1532A5.0 ★Texas Ratio: 8.01% Cartwheel Checking at 0.50% APY. Checking account rates as of April 22, 2026 according to verified data from MonitorBankRates.

Seattle has 7 local institutions in our database, with checking rates as high as 7.00% APY from First Sound Bank at 925 4th Ave Ste 2350, Seattle, WA, 98104. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

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

Compare Checking Account Rates Today in Seattle, Washington & the Surrounding Area

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

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

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

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%
2400 3rd Ave
Seattle, WA 98121
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%
1660 S Columbian Way Bldg 35
Seattle, WA 98108 1532
Cartwheel Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Wise55 Checking
0.25%
$25
View
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2400 3rd Ave
Seattle, WA 98121
Interest Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$0 - $4,999

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
1660 S Columbian Way Bldg 35
Seattle, WA 98108 1532
Youth Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
1660 S Columbian Way Bldg 35
Seattle, WA 98108 1532
IOLTA & IRETA Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
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

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
IOLTA Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
614 Broadway E
Seattle, WA 98102
1st Platinum Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

$50,000-$99,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
614 Broadway E
Seattle, WA 98102
1st Platinum Checking
0.01%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

$2,500-$4,999.99

HSBC Bank USA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
920 5th Ave
Seattle, WA 98104
Advance Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Minimum Balance to Obtain APY: $5 - $10,000 or more

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2400 3rd Ave
Seattle, WA 98121
Prime Checking (50+ Years of Age)
0.01%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 22, 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
Teen Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

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

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

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

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%
2400 3rd Ave
Seattle, WA 98121
Interest Plus Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$20,000 - $49,999

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2400 3rd Ave
Seattle, WA 98121
Interest Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$0 - $4,999

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
614 Broadway E
Seattle, WA 98102
1st Platinum Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

$50,000-$99,999.99

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
614 Broadway E
Seattle, WA 98102
1st Platinum Checking
0.01%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

$2,500-$4,999.99

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
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

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
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

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
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%
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%
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%
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%
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

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
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%
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%
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

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

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
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%
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
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%
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

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.

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
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%
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%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
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%
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%
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%
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%
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

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
1660 S Columbian Way Bldg 35
Seattle, WA 98108 1532
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.

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
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

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
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
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
1.51%
$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.

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.

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.

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.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
1660 S Columbian Way Bldg 35
Seattle, WA 98108 1532
Business Interest Checking
0.05%
$1,000
View
▼
Rate0.05%
Min Deposit$1,000
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
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedApr 16, 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 Basic Checking
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
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%
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%
Premium Business Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

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

No additional details provided.

Seattle, WA Checking Rate Trends

Compare local Seattle, WA 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 Seattle, 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 Seattle, 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 Seattle, Washington earn interest?

Most traditional local checking accounts in Seattle, 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 Seattle, Washington FDIC insured?

Yes. Legitimate banks with branches in Seattle, 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 Seattle, Washington

Based on our current data, some of the highest checking account APYs available to residents of Seattle, Washington include:
  • First Sound Bank
    PNW Premier Checking — 7.00% APY
  • Nordstrom Federal Credit Union
    Youth Checking Account — 5.00% APY
  • Seattle Metropolitan Credit Union
    IOLTA Checking — 1.51% APY
  • Sound Community Bank
    Interest Plus Checking — 0.75% APY
  • Verity Credit Union
    Cartwheel Checking — 0.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Seattle, Washington. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 22, 2026

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