Online Banking

Personal Checking Accounts

Which Personal Checking Account Fits You?

Eagle Checking

All the benefits you need with added value in convenience, savings, and security.
Minimum Opening Deposit: $100.00
Monthly Service Charge: $8.00
Call us today at (800) 246‑4402 to get started, or just drop by a Skagit Bank office.

Account Benefits

  • Bill payment
  • Cashier’s checks
  • Debit card (upon qualification)
  • One order of Skagit Bank image single style checks at no charge each calendar year (postage fee of $6.15 applies).
  • Money Orders
  • Notary service
  • Online banking
  • Traveler’s checks

Check Pricing: Choose from other check styles, available at current pricing.

Added Value

  • Accidental Death Insurance (up to $10,000)
  • Cash Back Rewards
  • Everyday Rebate Rewards
  • Extended Warranty & Purchase Price Protection
  • Identity Fraud Support Service
  • Identity Theft Insurance
  • Payment Card Protection
  • Savings on Tap ®

Other Charges: A closing fee of $10.00 will be assessed if the account is closed within ninety (90) days of opening.

Account Purpose: An Eagle Checking account is for personal purposes only.

View Our Bank Fees.

*The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by Skagit Bank or an affiliate and is not insured by any agency of the United States.

A portion of the monthly service charge is for monthly premiums for Accidental Death and Dismemberment Insurance.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Freedom Checking

Minimum Opening Deposit: $100.00
Monthly Service Charge: $2.00
Call us today at (800) 246‑4402 to get started, or just drop by a Skagit Bank office.

Account Benefits

  • Bill payment
  • Debit card (upon qualification)
  • First order of Skagit Bank image single checks at no charge (a postage fee of $6.15 applies)
  • Notary service
  • Online banking

Check Pricing: Choose from other check styles, available at current pricing.

Monthly Service Charge Waived If: You elect not to have scanned check images included in your periodic statement.

Other Charges: A closing fee of $10.00 will be assessed if the account is closed within ninety (90) days of opening.

Account Purpose: Freedom Checking is for personal purposes only.

View Our Bank Fees.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Interest Checking

An interest-bearing checking account with a solid set of benefits.
Minimum Opening Deposit: $100.00
Monthly Service Charge: $8.00
Call us today at (800) 246‑4402 to get started, or just drop by a Skagit Bank office.

Account Benefits

  • Bill payment
  • Debit card (upon qualification)
  • Notary service
  • Online banking

Monthly Service Charge Waived If: A minimum daily balance of $1,500.00 is maintained during the monthly statement period.

Other Charges: A closing fee of $10.00 will be assessed if the account is closed within ninety (90) days of opening.

Account Purpose: Personal purpose only.

Interest: This account is an interest-bearing account. The interest rate and annual percentage yield may change at any time. Interest will be compounded daily and will be credited to account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

View Our Bank Fees.

Interest Information: Your interest rate and annual percentage yield may change at any time. Contact a New Accounts representative for a current Interest Rate Information sheet that lists the interest rates and corresponding annual percentage yields for accounts.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Federal regulations require that Skagit Bank reserves the right to at any time, require not less than 7 days written notice before each withdrawal from an interest-bearing account other than a time deposit or from any other savings account as defined by Regulation D. Although we usually pay withdrawals or checks without notice on these accounts, doing so does not mean that we give up this right.

Interest-Plus Checking

A personal interest-bearing checking account for customers 55 or older with no monthly service charge, a solid set of benefits, with added value.
Minimum Opening Deposit: $100.00
Monthly Service Charge: $0.00
Call us today at (800) 246‑4402 to get started, or just drop by a Skagit Bank office.

Account Benefits

  • Bill payment
  • Cashier’s Checks
  • Debit card (upon qualification)
  • One order of Skagit Bank image single style checks at no charge per calendar year (a postage fee of $6.15 applies).
  • Money Orders
  • Online banking
  • Individual Traveler’s Checks
  • Notary Service

Check Pricing: Choose from other check styles, available at current pricing.

Other Charges: A closing fee of $10.00 will be assessed if the account is closed within ninety (90) days of opening.

Interest: This account is an interest-bearing account. The interest rate and annual percentage yield may change at any time. Interest will be compounded daily and will be credited to the account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Limitations: This account is available to customers age 55 or older for personal purposes only.

View Our Bank Fees.

Interest Information: Rates and fees are subject to change. Your interest rate and annual percentage yield may change at any time. Contact a New Accounts representative for a current interest rate information sheet that lists the interest rates and corresponding annual percentage yields for accounts.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Federal regulations require that Skagit Bank reserves the right to, at any time, require not less than 7 days written notice before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account, as defined by Regulation D. Although we usually pay withdrawals or checks without notice on these accounts, doing so does not mean that we give up this right.

Switch Kit

Switch Kit

Better Banking Right Here!

At Skagit Bank, we want to make your banking experience great! This simple, easy-to-follow kit PDF will help you organize your financial information, help you open a new Skagit Bank account, and close your existing account with another financial institution. Better banking is just four steps away!

Switching is Easy!

Organize Your Financial Information
Gather your banking information, including all direct deposits, direct withdrawals and account numbers. Fill in the requested information on Form A.

Open Your New Skagit Bank Account
Bring your required information* and the Switch Kit PDF to any local Skagit Bank office. Our friendly, professional staff will be happy to help you switch to better banking.

Update Your Account Information
Use Form B and Form C to update account information for any automatic payments or deductions associated with your old bank account or accounts.

Close Your Old Account
Once you’ve made sure all outstanding payments and deposits to your old accounts have cleared, use Form D to close your old account. Now, it’s on to better banking!

Debit Cards

MasterMoney Debit Cards

Credit card convenience... without another monthly bill.

The Skagit Bank MasterMoney Debit Card is not a credit card, but:

  • It can be used anywhere MasterCard® is accepted worldwide.
  • It automatically deducts each transaction from your Skagit Bank checking account.
  • It’s your Skagit Bank ATM card, allowing you to access cash at any ATM machine displaying the MasterCard®, Exchange, or Star logos, and purchase groceries or gas at any business displaying the Accel logo.

It’s easy to use!

  • Just present the card as you would a credit card.
  • Transactions appear on your checking account statement—no separate bill!
  • More accepted than a MasterCard®!

Read the frequently asked questions about our debit cards.

It’s free and saves you money!

  • No annual or membership dues!
  • No transaction fees!
  • No interest fees because transactions are automatically deducted from your Skagit Bank checking account.
  • Use your card instead of writing a check and save on check reorders!

Use your MasterMoney Debit Card at:

  • ATM Networks—The Exchange/Accel, Mastercard, and Star.
  • Anywhere MasterCard® is accepted.

Loss or Theft of Your Cards or Unauthorized Use:
If you believe your Skagit Bank ATM card has been lost or stolen, contact us IMMEDIATELY:
Business Days—(360) 755-9311 or (800) 246-4402
Nights, Holidays and Weekends—(877) 226-2351 or (888) 227-3096

 

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