Locations | Contact Us

Personal Checking Accounts

Your personal checking account should be, well…personal. We don’t believe in one-size-fits-all when it comes to your finances and you don’t have to either. Start by choosing a checking account based upon your balances and financial goals. Then, add the services that will make your account truly your own. Need to bank on the go? Sign up for Mobile Banking. Want to bank greener? Sign-up for e-Statements! Banking should fit your life—not the other way around.

Compare Checking Accounts

Might Be For You If…

Minimum Balance to Open

Monthly Maintenance Fee

Balance Required to Obtain Annual Percentage Yield

Eco Checking*

More…

You want a no-fee checking account

You enjoy the convenience of banking online and do not require a paper statement

You want to bank “greener”

$100.00

FREE with eStatements 

$3 without eStatements  

Not an interest earning account




Smart Choice Checking**

More…

You carry higher balances

You want an interest earning account

You want your account to provide you with added benefits

$100.00

$6.00 if you maintain less than $1,000.00 daily balance

$3.00 if you maintain a minimum $1,000.00 daily balance 

Waive the Monthly Fee    

Tiered Rate

Legends Checking**

More…

You are 50+

You want an interest earning account

$100.00

$5.00 

Waive the Monthly Fee   

Tiered Rate

Normal fees listed in Fee Schedule (PDF) apply (NSF, Stop Payment Fees, Dormant Fees, etc.). * Must enroll in eStatements within first 30 days of account opening or monthly maintenance fee of $3.00 will be assessed. **At our discretion we may change the interest rate and annual percentage yield (APY) on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). 
Flexible, tiered interest rate plans. The more you invest, the higher the annual percentage yield. If your daily balance falls within any tier, the corresponding rate will be applied to the entire balance in your account. Please see our Interest Rates for Deposit tiers and corresponding APY.
Flexible, tiered interest rate plans. The more you invest, the higher the annual percentage yield. If your daily balance falls within any tier, the corresponding rate will be applied to the entire balance in your account. Please see our Interest Rates for Deposit tiers and corresponding APY.
Waive the monthly $6.00 fee by maintaining a minimum daily balance of $5,000.00.
Waive the monthly $5.00 fee by maintaining a minimum daily balance of $200.00.
© 2017 Kitsap Bank. All Rights Reserved.
FDIC Insured Equal Housing Lender

This service is for Washington State residents only.

Are you a Washington State resident?

You are about to leave Kitsap Bank's website. Third party websites are not covered by Kitsap Bank's Privacy Policy or security measures, nor does Kitsap Bank endorse, offer, guarantee or recommend any product or service offered on a third party website.