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Free Online Checking Account

Man buying bread | Choice Checking

Choice Checking

A classic checking account that is free to open, free to maintain, and free from balance minimums.

Choice Checking perks:

  • No monthly service charge1
  • No minimum balance
  • No fee for 2 non-HomeStreet Bank ATM transactions per month2
  • No direct deposit requirement

All of our checking accounts feature:

Choice Checking Account opening and maintenance:

  • $100 minimum opening deposit
  • No monthly service charge1
  • No minimum balance requirement
  • No additional charge for paper or electronic statements
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Select Checking
Premium Select Checking
Select Checking | HomeStreet Bank

Select Checking Perks:

  • No monthly service charge
  • No minimum balance
  • Unlimited ATM fee refunds nationwide
Select Checking | HomeStreet Bank
Premium Select Checking | HomeStreet Bank

Premium Select Checking Perks:

  • Interest-earning account
  • Unlimited ATM fee refunds nationwide
  • No direct deposit requirement
Premium Select Checking | HomeStreet Bank


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. 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 direct deposits of at least $500 monthly. If the account does not have at least $500 in direct deposits each month, ATM fees incurred for that month will not be refunded.

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