Personal Banking

Washington Trust Checking Accounts

Best Checking Accounts in RI

Free checking, paperless banking, relationship rewards: Washington Trust offers checking account options and money management tools to suit your financial situation.

Learn more about our account options below and select the account that fits your unique needs:


Freedom Checking - If you’re looking for the best FREE1 checking account around

The best FREE checking account around.

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Freedom eChecking® - If you want a free paperless checking account

A paper-free and fee-free account.

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Freedom Plus® Relationship Checking - If you have your total banking relationship with Washington Trust

The account that rewards you for your total relationship with Washington Trust.

  • No monthly fee1
  • Earns interest when a $1,500 minimum daily balance is maintained
  • Free ATM use2
  • Free checks3
  • .50% off installment loan rates with automatic payment
  • ATM fee refunds4 - say goodbye to fees from other banks
  • Preferred rates on CDs & IRAs
  • No fee money orders and cashier’s checks
  • STOP (Savings Transfer Overdraft Protection annual fee waived ($20.00)
  • Credit Reserve annual fee waived ($25.00)
  • Home Equity Line of Credit7 Benefits:
    • First year Annual Fee waived
    • .25% off non-promotional home equity line rates
  • Free Online Banking, Mobile Banking, and Text Alerts
  • Free Debit Card with Purchase Rewards
  • Free Online Money Management Tool
  • eStatements available

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Freedom Ultra® Checking - If you keep a high balance in your checking account

The ultimate checking account with higher debit card and remote deposit limits, waived fees1 on checking services, competitive rates on CDs, discounted rates on loans and more!

  • No monthly fee1
  • Earns interest when a $1,500 minimum daily balance is maintained
  • Free ATM use2
  • Free checks3
  • .50% off installment loan rates with automatic payment
  • ATM fee refunds4 - say goodbye to fees from other banks
  • Preferred rates on CDs & IRAs
  • No fee money orders and cashier’s checks
  • STOP (Savings Transfer Overdraft Protection annual fee waived ($20.00)
  • Credit Reserve annual fee waived ($25.00)
  • World Debit Black Card with higher transactional & withdrawal limits5
  • Higher transaction limits with mobile check deposit6
  • Free incoming domestic wire transfers
  • Free foreign currency
  • Home Equity Line of Credit7 Benefits:
    • Annual Fee waived 
    • .25% off non-promotional home equity line rates
    • .375% lower in each rate tier (both promo & non-promo Lines)
  • Waived recording fees on Home Equity Loans8
  • Free Online Banking, Mobile Banking, and Text Alerts
  • Free Debit Card with Purchase Rewards
  • Free Online Money Management Tool
  • eStatements available

Ready to open a checking account?

Get started!

banks that offer free checking accounts

Prefer not to carry cash and checks?

All of our Checking Accounts come with a free debit card you can use to withdraw cash at ATMs, make deposits and make purchases at retailers in store or online.

Opening a checking account is easy at Washington Trust. Get started today with our online application.


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1 Freedom Ultra Checking: Daily minimum balance of $15,000 required to avoid monthly service charge of $25.00; Freedom Plus Relationship Checking: No monthly service charge fee when your total consumer deposit and loan relationship with Washington Trust totals $5,000 or more - when total is below $5,000, the account charges a flat fee of $15.00 per statement cycle. 2Other banks may charge for use of their ATMs 3Freedom Ultra & Freedom Plus Accounts: Free checks are single wallet style; 4 Washington Trust will refund up to five fees from other domestic banks each statement cycle. May be subject to IRS reporting. Please consult your tax advisor. 5 World Debit Black Card offers a $3,500 per day point-of-sale transaction limit, and daily cash withdrawals of up to $1,000. 6Freedom Ultra Level Mobile Check Deposit allows deposits of $7,500 per day and $15,000 per week. 7,8 Home Equity Lines of Credit and Home Equity Loans are subject to credit approval. Member FDIC