WaFd Bank

Headquarters: Seattle, Washington
Charter: Bank
Assets: $27.6B
Fed district: San Francisco

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $9, the middle of its prices
WaFd Bank: $4 to $12
WaFd Bank: $4 to $12
U.S. median: no median
Overdraft (OD)
WaFd Bank: $30
WaFd Bank: $30
U.S. median: no median
NSF / Returned Item
WaFd Bank: $30
WaFd Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from WaFd Bank’s own schedules, with a source for each figure.

Account Maintenance

Premium Rewards Checking Service Charge$9
per month
Rewards Checking Service Charge$6
per month
Service Charge$10
per month
Service Charge$12
Service Charge$4
per month
Inactive Account Fee—Checking onlyAssessed after 270 days without activity$5
per month
Research Fee (1 Hour Minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Charge (Paid)$30
per item
Insufficient Funds Charge (Returned)$30
per item
Overdraft Transfer FeeNo charge

ATM & Card

Card Replacement—Standard Service$5
per item
Card Replacement—Expedited Service$40
per item
VISA International Transaction Fee (audience not stated, treated as personal)1%of the transaction
VISA International Transaction Fee1%of the transaction

Wire Transfers

Outgoing—Domestic wire$30
per item
Wire Transfers: Incoming$15
per item
Outgoing—International FX wire$60
per item
Outgoing—International USD wire$50
per item

Check Services

Cashier's Checks$8
per item
Stop Payment$30
per item
All Other Foreign Check Processing$30
per item
Canadian Check Processing$10
per item
Check Images with Monthly Statement$5
Not compared: Monthly charge, not per item
per month

Account Services

Notary ServicesNo charge
Legal Processing$75
per item

Fee	Amount	Basis	Note
Account Maintenance
Premium Rewards Checking Service Charge	$9	per month	None
Rewards Checking Service Charge	$6	per month	None
Service Charge	$10	per month	None
Service Charge	$12	Not stated	None
Service Charge	$4	per month	None
Inactive Account Fee—Checking onlyAssessed after 270 days without activity	$5	per month	None
Research Fee (1 Hour Minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Charge (Paid)	$30	per item	None
Insufficient Funds Charge (Returned)	$30	per item	None
Overdraft Transfer Fee	No charge	Not stated	None
ATM & Card
Card Replacement—Standard Service	$5	per item	None
Card Replacement—Expedited Service	$40	per item	None
VISA International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
VISA International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Outgoing—Domestic wire	$30	per item	None
Wire Transfers: Incoming	$15	per item	None
Outgoing—International FX wire	$60	per item	None
Outgoing—International USD wire	$50	per item	None
Check Services
Cashier's Checks	$8	per item	None
Stop Payment	$30	per item	None
All Other Foreign Check Processing	$30	per item	None
Canadian Check Processing	$10	per item	None
Check Images with Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Account Services
Notary Services	No charge	Not stated	None
Legal Processing	$75	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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