Cash Rewards Checking

Free Checking Account. Shop, Swipe, Get Paid! 

Reward yourself  with up to $240 per year with Cash Rewards Checking.  A free account that pays you up to 20¢ cash reward for every debit purchase made, you decide exactly where, when, and how much you're rewarded. Rewards are paid monthly. Plus you have access to over 50,000 nationwide surcharge-free ATMs through the Allpoint® network!  All the technology of a "Big Bank", with the personal service of a small bank.

Get the most from your banking by combining with our free online banking, mobile banking, and mobile deposit!

  • Earn up to 20¢ with every debit card purchase/ up to $240 per year!
  • Rewards paid monthly
  • Free account, no monthly service fee
  • No minimum balance to earn rewards
  • Nationwide surcharge-free access at over 50,000 Allpoint® network ATMs
  • Features new EMV chip technology
  • Free payroll cash checking (up to $750 per payroll check)
  • Free checks for life (basic check order per year)
  • Free online banking & bill pay
  • Free mobile banking & mobile check deposit
  • Free eStatements
  • Free Cash Rewards debit card
  • Unlimited surcharge-free ATM usage at Washington Savings Bank ATMs
  • 3 free ATM transactions at non-owned WSB ATMs per month; $1.25 per transaction thereafter
  • $10 minimum balance to open
Cash Rewards

Every time you use your debit card as a signature purchase, you earn a cash reward. The amount of each cash reward increases with additional accounts you have with the bank. Rewards are paid monthly and are unlimited!

Cash Rewards Checking: $.07

Savings Account with Direct Deposit: $.03

Loan of at least $5,000: $.10


Total Possible with every debit purchase!: $.20

Fees Alert!

Yeah, it's a "free account" but you may do some other stuff that could cause a fee.

Stop Payment Fee

(for paper checks or electronic withdrawals)

Overdraft/ NSF Fee

(We know, this is a sensitive one and we try to be generous in forgiving 1st time offenders and honest mistakes if you call and explain the situation to us. Plus we won't charge a fee if the purchase or resulting overdraft is $10.00 or less)

Surcharge ATM Fee

(We don't charge these fees, the owners of other ATMs charge them for using their machine. Cash Rewards Checking customers can use over 50,000 nationwide Allpoint ATMs surcharge free. Check out the convenient tool to locate Allpoint machines near your home and work.)

Foreign ATM Fee

(This is the fee we charge when an ATM transaction is processed on a machine we don't own. Cash Reward Checking accounts get 3 free per month, so use the freebies with the Allpoint network and you won't have any ATM fees!)

3 Free per month then


Returned Deposit Item

(This is a check that deposited into your account and then was returned to the bank for lack of funds - bounced!)

Early Account Closure

(This is if you close your account within a certain period of time after opening it. Fees really don't come into play unless you recently received a promotional item and it's obvious you just starting banking with us to get the free gift. We really don't like that! See the specific terms with the different promotions for the exact fee.)