WaFd Bank account fees
WaFd Bank's consumer fee schedule is marked effective 1 August 2026. Free Checking has no minimum balance service charge. A paid or returned item is $30, and the daily maximum is 3 or $90. The NSF-only page is WaFd Bank NSF fee. The wider table is US overdraft fees by bank.
Last updated: October 26, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 26 October 2026. The dollars are on the schedule of consumer fees, effective 1 August 2026. Free Checking opens with $25 and has no minimum balance service charge. A footnote says nonsufficient funds fees may still apply. Rewards Checking is $6 a month. Premium Rewards Checking is $9 a month. Interest Checking is $12 a month, waived with a $5,000 average daily balance or $50,000 in eligible balances. Fresh Start, the Bank On account, is $4 a month and is not eligible for checks. Start Savings has no minimum balance service charge and requires a checking account.
An inactive checking account is $5 a month after 270 days without activity. Check images with the monthly statement are $5. How other US banks print a quiet-account fee is on inactivity and dormant account fees. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly service charge | What the schedule also prints |
|---|---|---|
| Free Checking | No minimum balance service charge | Opens with $25. NSF fees may still apply |
| Rewards Checking | $6 | Opens with $25 |
| Premium Rewards Checking | $9 | Opens with $25 |
| Interest Checking | $12 | Waived at a $5,000 average daily balance or $50,000 eligible |
| Fresh Start | $4 | No checks. Opens with $25 |
NSF, wires, and stop payment
The same schedule prints an insufficient funds charge of $30 per presentment when WaFd pays the item, and $30 per presentment when it returns the item. The daily maximum is 3 per day or $90. ATM and everyday debit card transactions are no fee. A presentment means items such as checks and electronic ACH transactions. A transfer from another WaFd account for overdraft protection has no setup fee and no transfer fee. An overdraft line of credit has a $43 application fee and no transfer fee.
Incoming wires are $15. Outgoing domestic wires are $30, international wires in US dollars are $50, and international wires in another currency are $60. An online wire is $15. A stop payment is $30. A cashier's check is $8. A standard card replacement is $5, and an expedited replacement is $40. A Visa international transaction is 1% of the transaction. The monthly list is US monthly checking fees by bank. The reading guide is US bank fee guides. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- Does WaFd Free Checking have a monthly fee?
- The 1 August 2026 schedule prints no minimum balance service charge on Free Checking. It still says nonsufficient funds fees may apply. Rewards Checking is $6, Premium Rewards is $9, Interest Checking is $12, and Fresh Start is $4.
- How much is a WaFd NSF fee?
- The schedule prints $30 when WaFd pays the item and $30 when it returns the item, at most 3 a day or $90. ATM and everyday debit card transactions are no fee.
- How much is a WaFd domestic wire?
- The 1 August 2026 consumer schedule prints $15 incoming, $30 outgoing domestic, and $15 for an online wire.