Online Rewards Checking

This account has less stringent ChexSystems® qualifications and no credit qualifications! It's a way back into the financial system for folks who need a second chance.

For one low monthly fee of $9.95, you'll receive a checking account, checkbook and Mastercard® debit card with surcharge free ATM access at over 55,000 Allpoint® locations. Plus earn debit card cash rewards that can exceed your monthly fee! After a year of good account history, you can convert to our free Cash Rewards Checking.

Qualification Requirements:

  1. We can confirm your identity
  2. No fraud or criminal activity in your banking background
  3. Limited previous account charge-offs of $2,000 or less.
  4. Direct deposit from a payroll or government source is required.

Washington Savings in the news: 

  • Custom Image
  • Custom Image
  • Custom Image
  • Direct Deposit from payroll or government benefit is required for this account.
  • Features new EMV chip technology
  • NO harsh CheckSystems® requirements! (Less stringent requirements)
  • Surcharge free nationwide ATM access through the Allpoint® 55,000 ATMs Network!
  • 24/7 debit card support.
  • NO minimum balance!
  • NO deposit fees!
  • NO withdrawal fees!
  • Deposit Money through direct deposit, mobile check deposit or mail!
  • FREE Mastercard® debit card! Even order a Designer debit card!
  • FREE direct deposit!
  • FREE online banking & bill pay with online budget tools!
  • FREE mobile banking!
  • FREE mobile deposit! (only available with direct deposit and after 3 months, see FAQs tab)
  • FREE estatements! (required for this account)
  • FREE customer support via email
  • One low flat monthly fee of only $9.95 with direct deposit of government benefit or payroll. Direct Deposit is required.
  • Debit card cash rewards paid monthly to help you offset or eliminate your monthly fee!
  • Discount order of starter checks (if desired)!
  • Convert to a free checking plan after a year of satisfactory account history!

Have more questions? Use the FAQs tab above or use the "Questions" button to send us a message.

Current account contract and disclosures

New Account Welcome Kit


Can I apply for an Online Rewards Checking Account from any state? – Yes, Online Rewards Checking Accounts are available to anyone inside the United States who is a U.S. citizen.

Is Direct Deposit Required? - Yes, direct deposit is required for this account. If you do not activate direct deposit within 60 days from account opening, your account will be closed.

Is there a monthly maintenance fee? – Yes, a monthly fee of $9.95 will be imposed every statement cycle, a direct deposit of payroll or government benefit is required for this account. Keep in mind, you also earn unlimited debit card cash rewards, so you may earn more on rewards than the monthly fee! After twelve months of good account history, you can convert your account to a lower monthly fee and more electronic services.

What if I need customer assistance with a problem? - Online support is free and we try to respond to all inquiries in a timely fashion. Real-time support (branch or call center) assistance is available for $2 per call/ transaction.

How does this compare to a prepaid card? - Just like a prepaid card, you can use the card anywhere Mastercard® is accepted. But you also have the benefits of one low monthly fee with no deposit (load) fees or ATM fees if you use the Allpoint® network of ATMs. This account should be much cheaper than a prepaid card and it's a real checking account.

How do I make deposits? - There's several ways to make deposits.

  • The easiest way is setting up direct deposit, which we'll help you set up. Direct deposit is required.
  • To deposit a check, you can use our mobile check deposit APP or use the old fashioned way of mail. Note: Mobile deposits have a hold until we know the funds are good and the service is only available after 90 days of good account history.
  • If you need to deposit cash, simply buy an inexpensive money order check available at most convenience stores and use our mobile check deposit service or mail it.
  • A faster way to deposit cash is to use Western Union® to transfer money into your account. Western Union® charges a fee for this service.

What are the restrictions for mobile deposits? - Since mobile deposit has a high risk of fraud to the bank there are some additional conditions for us to trust you with it.

1) You need to have your account for at least 90 days and in good standing.

2) We limit mobile deposits to a maximum of $500 per day. We can increase this over time with good account history.

3) There is a delay of funds until we know the deposit is legitimate. We always verify mobile deposits and reserve the right to place an extended hold if we doubt collectability of the check. Generally mobile deposits are available after 5 business days.

Why are there restrictions for mobile deposits? - In a nutshell, it's very risky to the bank - and let's face it, many customers applying for this account don't have the best track record with banks.

Does an Online Rewards Checking Account come with a real checkbook? – Yes, you can use a real checkbook with your own personal checks. Even order your 1st order of 120 checks from us for only $6.95!

Does an Online Rewards Checking Account come with a MasterCard debit card? – Yes, you will receive your own personal MasterCard debit card. The standard design is free and you can even upgrade to over 85 designer cards for a small fee. Your daily limits are $300 via ATM withdrawal or $750 debit card purchase. The debit card portion of your card is not activated until direct deposit is activated on your account.

Is it possible to overdraw my account? Yes, there are some situations in which your account can be overdrawn. For example, a returned deposit item after we've made funds available to you and the money has been spent. Some debit card transactions can be forced through and the monthly maintenance fee will be charged to your account regardless of balance. You are obligated to cover overdrafts on your account and overdraft fees apply.

Can I add a joint owner? – Yes. You may add a joint owner to the account using our ADD A JOINT OWNER form once your account has been opened at least 30 days and is funded.

Do I receive full online banking privileges? - No, these are risker accounts for the bank so we limit some online services such as bank to bank transfers and mobile deposit. But you can see your activity, statements and use bill payments. It even has some money management tools to help you manage your money better. Check out our online videos of the services.

Can I open a savings account too? - No. Online only customers may only open an Online Rewards Checking account..

Fees Alert!



Monthly Maintenance Fee

(These accounts require extra monitoring for fraud. Convert to a free Cash Rewards Account after 1 year of satisfactory history.)

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 $1.25
Returned Deposit Item

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