Checking Accounts

We offer checking account options tailor-made for you and your financial needs. From low-cost green checking to interest-earning rewards accounts, there’s a flexible fit for you. All Kitsap Bank checking accounts also include:

  • Free mobile banking app access
  • Free online banking and bill pay
  • Free e-statements available
  • Text banking access
  • Linked savings account options
  • Surcharge-free access to your cash with over 55,000 ATM’s conveniently located worldwide

Checking Account Details

View our quick comparison chart below

Eco Checking

$100 minimum balance to open

$5 monthly fee
Minimum daily balance to waive monthly fee is $200.

Go Green: Save paper, save money, and save the planet

Enjoy safe and secure access to your accounts anytime with e-statements
Must enroll in e-statements within first 30 days of Eco Checking account opening, or a paper statement fee of $3.00 will be assessed.
Smart Choice Checking

$100 minimum balance to open

$3 - $6 monthly fee
Minimum daily balance to waive monthly fee is $5,000. Maintain a minimum daily balance of at least $1,000 for a $3 monthly maintenance fee. Maintain a minimum daily balance below $1,000 for a $6 monthly maintenance fee.

Earn interest on your balance** 

Debit card rewards***

Free wallet checks

Smart Rewards from BaZing, including roadside assistance, shopping & dining discounts, identity & fraud protection, and more


**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 in the Help Center. 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).
***Accounts enrolled in e-statements qualify for a .10 reward for each non-PIN based debit card transaction in excess of 20 per statement cycle. Maximum reward per statement is $10.00
Legends Checking (for customers aged 50+)

$100 minimum balance to open

$5.00 monthly fee
Minimum daily balance to waive monthly fee is $200

Earn interest on your balance*

Debit card rewards**

Free cashier’s checks (up to 3 per month)

Free personalized program 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 in the Help Center. 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).
**Accounts enrolled in e-statements qualify for a .10 reward for each non-PIN based debit card transaction in excess of 20 per statement cycle. Maximum reward per statement is $10.00

Checking Accounts

Eco Checking

  • Go Green: Save paper, money, and the planet
  • Enjoy safe and secure access to your accounts anytime with e-statements

Smart Choice Checking

  • Earn interest on your balance (see details above)
  • Debit card rewards (see details above)
  • Free wallet checks
  • Smart Rewards from BaZing

Legends Checking (for customers 50+)

  • Earn interest on your balance (see details above)
  • Debit card rewards (see details above)
  • Free cashier's checks
  • Free personalized program chechks
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