HomeStreet Bank - Banking, Credit Cards, Home Loans & Auto Loans

Choice Checking
A classic checking account that is free to open, free to maintain, free from balance minimums, and free from monthly maintenance fees.
  Perks 
Free ATM Fee Refunds
2
per month
Interest-Earning
No
Monthly Service Charge
No
  Fees & Minimums 
Minimum to Open
$100
Minimum Balance
$0
  Universal Checking Benefits 
Visa Debit Card
Free
Online and Mobile Banking
Free
Select Checking
From grocery shopping and utility bills to a night out on the town, everyday life is full of expenses. Your checking accounts shouldn't be.
  Perks 
Free ATM Fee Refunds 1
Unlimited
Interest-Earning
No
Monthly Service Charge
No
  Fees & Minimums 
Minimum to Open
$100
Minimum Balance
$0
  Universal Checking Benefits 
Visa Debit Card
Free
Online and Mobile Banking
Free
Premium Select Checking
Get more out of your money with our interest-earning checking account.
  Perks 
Free ATM Fee Refunds1
Unlimited
Interest-Earning 2
Tiered
Monthly Service Charge 3
Waived
  Fees & Minimums 
Minimum to Open
$100
Minimum Balance3
$0
  Universal Checking Benefits 
Visa Debit Card
Free
Online and Mobile Banking
Free

Disclosures:

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

2. Interest

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. Monthly Service Charge

$10 if balance falls below $2,500 any day during the monthly statement cycle.

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