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Choice Checking

Choice Checking offers you a convenient, low-cost checking account along with access to more than 23,000 surcharge-free ATMs nationwide along with free online banking and mobile banking.

•  No monthly service charge
•  $100 minimum to open
•  Free ATM usage at more than 23,000 HomeStreet Bank, MoneyPass and Bank of Hawaii ATMs 
•  2 refunded ATM fees per month at any ATM within the U.S.3 
•  Free starter checks4 
•  Free VISA debit card 
•  Free online banking and bill pay 
•  Free mobile banking with mobile check deposit 

Select Checking

Select Checking customer can use any of the more than 400,000 ATMs in the U.S. and any and all surcharges are refunded fully.

•  No monthly service charge 
•  $100 minimum to open 
•  Free ATM usage at more than 23,000 HomeStreet Bank, MoneyPass and Bank of Hawaii ATMs
•  Unlimited ATM fee refunds with $500 direct deposit each month at any ATM within the U.S.3 
•  Free starter checks4
•  Free VISA debit card
•  Free online banking and bill pay  
•  Free mobile banking with mobile check deposit 

Premium Select Checking

Premium Select Checking customers earn a most competitive rate of interest, with higher balances earning even higher interest rates. 

Interest earning1
No monthly service charge if $2,500 daily balance is maintained2
$10 monthly service charge if $2,500 daily balance is not maintained
$100 minimum to open
Free ATM usage at 23,000 HomeStreet Bank, MoneyPass and Bank of Hawaii ATMs
Unlimited ATM fee refunds at any ATM in the U.S.3
Free starter checks4
Free VISA debit card
•  Free online banking and bill pay
•  Free mobile banking with mobile check deposit

Seattle Seahawks Checking

Show your team pride and receive a $100 bonus when you set up direct deposit of $500 or more when you open a Seahawks checking account with HomeStreet Bank.4 HomeStreet Bank is a proud partner of the Seattle Seahawks.5

Custom Seahawks Checks

•  Free VISA debit card
•  Free starter checks (12 or 24 request as needed) 
•  $100 gift card incentive when you set up direct deposit of $500 or more
•  Unlimited ATM fee refunds at any ATM within the U.S with a direct deposit of $500 or more3 
•  No monthly service charge
•  $100 minimum to open
•  Free ATM usage at more than 23,000 HomeStreet Bank, MoneyPass and Bank of Hawaii ATMs
•  Free online banking and bill pay  
•  Free mobile banking with mobile check deposit 


Bank On Program Checking

A free account, available to any Washington resident who doesn't currently have a checking account. No minimum balance and no monthly service charges. Learn more about free checking

Certain conditions and restrictions apply to personal checking accounts. For complete details of all our accounts, visit any HomeStreet Bank branch.
All our checking accounts come with:

  • Free online banking and bill payer with HomeStreet Connect
  • Free VISA debit card
  • Free ATM usage at more than 23,000 locations
  • Free 24-Hour telephone banking
  • Free check safekeeping or check enclosure

To apply for an account, please visit a branch or call 800-719-8080




Checking Account Disclosures

1. Interest
Your balance must equal or exceed the stated minimum balance each day to obtain the annual percentage yield (APY) listed on the bank rate sheet. Interest begins to accrue on the business day your deposit is made if your deposit consists of cash, ACH or checks drawn on HomeStreet Bank, and the next business day if your deposit consists of checks drawn on other banks. Interest will be paid up to the date of withdrawal. Interest will be compounded monthly and credited to your account on the last day of the statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. At our discretion, we may change the interest rate, APY or actual tiers on the account at any time.
2. Charges and Fees
All accounts are subject to HomeStreet Bank’s customary fees for stop payments, insufficient funds, returned items, automatic transfer, other miscellaneous services and account early closure fees. Refer to Schedule of Fees. Fees are subject to change upon notice as may be required by law.
3. Refund of Domestic Non-Bank or Non-Network ATM Fees
The monthly ATM surcharges for use of out-of-network ATMs will be assessed to your account each statement. The domestic ATM surcharges to be refunded will be calculated on the last business day of the month and will be refunded on your next monthly account statement. The number of domestic ATM surcharges refunded each month will be capped at the number of refunds allowed within the checking account you select. Eligibility for the unlimited refunds in the Select account is based on a direct deposit to your account of at least $500 monthly. If the account does not have at least $500 in direct deposits by month-end, ATM fees incurred during that month will not be refunded.
4. Check Orders
Up to five sheets of four checks-on-a-page free at account opening. Standard Check order fees will be charged on full (120) check orders  or 50-check orders. Charges are based on type of check and check style and will be disclosed at the time of the order.

5. Bonus
Bonus will be deposited into account within 45 days of the receipt of Direct Deposits of $500 or more per month to this account. Direct deposits of $500 or more per month must be made to this account within 90 days of account opening to be eligible for the $100 direct deposit bonus. Your direct deposit needs to be an electronic deposit from your employer or pension or government benefits (such as Social Security). Bonus is considered interest and will be reported on IRS Form 1099-INT