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Washington Trust

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In order to get started, select an account that works for you.

Simply Free
With Simply Free you are free from bank overdraft fees, monthly fees and minimum balances. Simply open your account and pay for purchases using your debit card or mobile wallet. BankOn Certified.
  • No monthly fee
  • Checkless account
  • No overdraft fees*
  • Use code WT225 and Washington Trust will donate $25 to a local nonprofit in celebration of our 225th birthday. You will receive an email to select the nonprofit organization within 7 days of account opening.
Freedom Checking
Manage your money quickly and easily with a free account that gives you just what you need.
  • No monthly fee
  • Digital banking and online money management tools
  • Checks available
  • Use code WT225 and Washington Trust will donate $25 to a local nonprofit in celebration of our 225th birthday. You will receive an email to select the nonprofit organization within 7 days of account opening.
Freedom Plus Checking
Enjoy extra account features based on your total banking relationship.
  • Options to waive monthly fee*
  • Free Checks*
  • Debit Card/ATM fee rebates*
  • CD and IRA Preferred Rates
  • Use code WT225 and Washington Trust will donate $25 to a local nonprofit in celebration of our 225th birthday. You will receive an email to select the nonprofit organization within 7 days of account opening.
Freedom Ultra Checking
Enjoy our best rates on CDs, higher debit card limits, preferred rates on loans, and more, when you keep a high balance in your Ultra checking account.
  • Options to waive monthly fee*
  • Free Checks*
  • Debit Card/ATM fee rebates*
  • Higher Debit Card/ATM Daily Limits*
  • CD and IRA Preferred Rates
  • Home Equity Loan Recording Fee Waiver*
  • Free incoming wires
  • Use code WT225 and Washington Trust will donate $25 to a local nonprofit in celebration of our 225th birthday. You will receive an email to select the nonprofit organization within 7 days of account opening.
Student Checking
A great way to start banking, with no overdraft fees, or minimum balances. Pay for purchases using your debit card or mobile wallet, and “earn while you learn” with Financial Education.
  • No monthly fee until the age of 23*
  • Checkless account
  • No overdraft fees*
  • Use code WT225 and Washington Trust will donate $25 to a local nonprofit in celebration of our 225th birthday. You will receive an email to select the nonprofit organization within 7 days of account opening.
High Rate Savings
Start Saving Today!  Our High Rate Savings Account is perfect to help you save for what you need.
  • You have access to your money and the flexibility to make deposits and withdrawals at any time
  • The higher your balance, the more you'll earn
  • If you start with a lower balance and make additional deposits, we’ll automatically increase your rate
  • Click here to view rate tiers
Freedom Statement Savings
If you want an account that’s dedicated to saving, but also want to access your money at any time, consider our Freedom Statement Savings Account.
  • No monthly fee
  • Quarterly statements or monthly if combined or electronic activity
6 Month Promo CD
Our 4.10% APY* Certificate of Deposit is a safe investment with a fixed rate giving you a predictable return on your money!
  • One penalty free withdrawal
  • Enjoy short-term savings with high-yield gains
  • This offer is for a limited time only for new non-Washington Trust deposits
  • Washington Trust checking account is required
  • One penalty free withdrawal
11 Month CD
Lock in a great rate for 11 months, giving you a predictable return on your money! Open the account with as little as $500 and there's no maximum deposit!
  • Open online in just a few minutes
  • New non-Washington Trust deposits only
  • No checking account required