Skip Navigation Download Acrobat Reader 5.0 or higher to view PDF files.

Free Checking

Open a FREE checking account, get a FREE gift!

Our Totally Free Checking account is available for individuals and businesses. There is no monthly service charge and no minimum balance after opening your account.* Say goodbye to hidden fees! Plus, as our way of saying ‘thank you’ for choosing North Cascades Bank, we will give you a FREE gift!

Make preparing meals easier with a Knife Set as your FREE gift.**


**FREE gift - Knife Set -  a great addition for any kitchen, or a perfect holiday gift!



Every new personal checking account includes:

  • FREE VISA® Debit Card – choose your own design
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements with online check images
  • FREE Check Images with statements
  • FREE thank you gift
  • Buy back of your unused checks and debit cards from another financial institution


$25 Buy Back

When you open a new checking account with us, bring in your unused checks and debit cards from your previous financial institution and we’ll pay you up to $25 and securely shred them for you.


Online Banking & Bill Pay:

Conveniently do your banking transactions on the go, anytime, anywhere! Sign up for online banking and download our mobile app where you can:

  • Check balances and transactions
  • Pay bills
  • Freeze lost or stolen debit cards
  • Make person-to-person and bank-to-bank payments
  • Make transfers between accounts
  • Receive alerts
  • Make loan payments
  • View statements
  • Make check deposits
  • Manage your debit card


Mobile Banking with Mobile Check Deposit:

Our Mobile App provides quick, easy access to your account without a trip to the bank. It can be used on both mobile phones and tablets. And you can easily deposit checks when you can’t make it to the bank. All services available when you sign up for online banking are also available through our mobile app.


eStatements with online check images:

Sign up for eStatements and reduce the paper in your mailbox! With eStatements, you can view your bank statements securely within Online Banking and save them to your computer or print them at your convenience. We will send you an email each time a new eStatement is ready to view. You can access previous eStatements as far back as 18 months, they will also include check images for your convenience.


Credit Builder Program:

Credit Builder is a short-term loan offered to individuals who are either trying to establish good credit or repair poor credit. It’s easy to set up. Make an appointment at a local North Cascades Bank branch to get started.

How it Works:

  • The bank extends a loan to you in an amount ranging from $500 - $1,500.
  • Loan proceeds are deposited into a savings account in your name. You make payments over the term of the loan prior to the funds becoming available to you. Loan proceeds are available to you upon full repayment of the loan.
  • Terms range from 6-18 months with an annual percentage rate of 9.99%.


Love banking with us? Tell a Friend!

Our referral/Tell-a-Friend program is simple and easy. You can find a Tell-a-Friend slip at any of our branch locations. Simply fill out your name and give it to a friend or family member. When they open a checking account, they will receive a FREE gift and so will you!


ATM fee refunds:

ATM fees can really add up, so avoiding them can save you lots of cash over time! North Cascades Bank will refund up to five ATM fees per month to help you recover those expenses. You can also get cash back using your debit card at many businesses to avoid the ATM altogether.


What else do you get when you sign up for a Totally Free Checking account?

Personal Bankers who go the extra mile:

Offering service that is North of the Expected is what we do! When you open your Totally Free Checking account you will work with a Personal Banker who can help you with any questions you have about your account, even after opening it! And when you’re ready to move forward with additional accounts, need a credit card or are ready to buy a home, they can walk you through the process and help connect you with the right people.


Improve your financial future with free online tools:

Are you ready to learn more about improving your financial future? We offer free online courses to help you achieve your financial goals!

Learning modules include these financial topics:

  • Creating a budget
  • Building Emergency Savings
  • Car Loans
  • Credit Cards
  • Credit Scores & Reports
  • Buying a Home
  • Debt Management
  • Retirement Accounts
  • Certificates of Deposit (CDs)
  • Individual Retirement Accounts (IRAs)
  • Paying for College
  • Investment Property
  • Developing a Business Plan
  • Becoming a Financial Caregiver
  • Taxes: The Basics
  • Shopping for Insurance
  • Healthy Financial Habits

 Access Free Financial Tools

Note: Don’t forget to create a login so you can easily pick up where you left off!


Choose your own debit card design:

We don’t believe banking should be boring, and neither should your debit card. Choose from our standard logo card or from one of the designer cards below.




Nine convenient branch locations:

We take pride in providing community banking services throughout North Central Washington. We have nine branches conveniently located to serve you!

  • Wenatchee, WA
  • East Wenatchee, WA
  • Waterville, WA
  • Chelan, WA
  • Twisp, WA
  • Brewster, WA
  • Okanogan, WA
  • Omak, WA
  • Grand Coulee, WA

Find a location near you!


Community banking is different than banking at bigger banks. Here’s 3 reasons to bank at North Cascades Bank:

  1. Our free checking accounts come with all the essential banking tools - without hidden costs.
  2. Bank with people that you know! We offer big bank products you need with the small-bank service you want.
  3. Decisions made locally. We help keep the communities we serve vibrant and growing, by being involved in our communities and supporting local organizations.


Our Story


Are you ready to open a checking account?

Call: 1-800-603-9342 to make an appointment. We look forward to helping you open your new account!

If you’d like to see the other accounts we offer, click below.


Compare Accounts


*Unless specified otherwise, customer purchases checks. Other fees such as overdraft, nonsufficient funds (NSF) fee, continuous overdraft, etc. may apply. See fee schedule for details. $25 for your debit card from your previous institution or $5 per book of checks, up to $25. Your account will be credited at the time the checks/debit cards are presented. Transaction items include all debits, credits, and deposited items. If a Totally Free Business Checking account exceeds 3,000 free monthly transaction items, $10,000 in monthly coin and currency deposits or withdrawals, including change orders, or requires additional regulatory oversight, the account may be changed to Business Analysis Checking which includes additional fees. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations may apply. **While supplies last. Member FDIC | Equal Housing Lender