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Free Online Checking Account


Choice Checking

Choice Checking Account opening and maintenance:

  • $100 minimum opening deposit
  • No monthly service charge1
  • No minimum balance requirement

All of our checking accounts feature:

Other Checking Accounts:

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Premium Select Checking

Interest-earning account2

Up to $20 in surcharge fee refunds per statement3

No direct deposit requirement



1. 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.

2. Interest - Premium Select Checking

Your account 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 interest rate tiers on the account at any time.

3. ATM Surcharge Fee Refunds - Premium Select Checking

Other non-affiliated bank ATM surcharge fees for transactions made in the United States will automatically be refunded up to $20 per statement. Fees in excess of this will not be refunded. Refunds will be credited to your Premium Select checking account the same day fees are assessed. To receive refunds, your checking account must also be open at the time fees are refunded.

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