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Personal Checking

Checking accounts that are Totally Free!

When you open a checking account at a bank, you expect great service, dependability and value. What you don’t expect (or need) are strings attached to your account in order to avoid fees.

At North Cascades Bank, Totally Free Checking really is FREE! Free of minimum balances and hidden weekly, monthly or annual fees. We also have three great interest-bearing accounts to fit your every need. Plus, when you open your new account, you’ll get something else: a free gift to say ‘thank you.’ We’ll also buy back your old checks or debit card from another financial institution and apply a $25 credit to your new account.** Scroll down to compare our personal checking accounts.

Three reasons to bank local:

1.) Our free checking accounts come with all the essential banking tools - without paying a dime.
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.  

Ready to open an account? You're in luck! We now offer online account opening, click below to get started.

Open an account

Totally Free Checking
A free account for everyone! With no minimum balance or monthly service charge.

Easy Interest
A variable interest rate account that earns competitive interest and has no minimum balance or monthly service.
50+ Interest Checking
A variable rate account that earns competitive interest, for those 50 and wiser—with no minimum balance, and no monthly service charge!
Premier Interest Checking
Looking to earn more? Simply maintain a balance of $1500 or more to earn a higher variable interest rate. You will still earn a competitive rate even if your balance falls below $1,500.

Want to compare these accounts side by side? 

*Every new personal checking account includes:

  • FREE Standard VISA® Debit Card
  • 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

Checking Account Comparison

Account Details

Totally Free Checking 
  • No minimum balance 
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Non-Interest bearing account
  • Customer purchases checks
  • Fee Schedule
Easy Interest Checking
  • No minimum balance 
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Variable interest rate account that earns competitive interest
  • Customer purchases checks
  • Fee Schedule
50+ Interest Checking
  • No minimum balance 
  • No Monthly Service Charge
  • Free box of personalized corporate image checks per calendar year
  • Unlimited Check Writing
  • Variable interest rate account that earns competitive interest
  • Fee Schedule

Premier Interest Checking 
(Our highest interest checking account)

  • $1,500 minimum balance after opening
  • $6 Monthly Service Charge if balance drops below $1,500 during your statement cycle
  • Free box of personalized corporate image checks per calendar year
  • Unlimited Check Writing
  • Variable interest rate account that earns a higher interest rate if the balance is above $1,500
  • Fee Schedule 
 

Ready to open an account? You're in luck! We now offer online account opening, click below to get started.

Open an account

 
If you have questions about our hours and locations click here.
 
*Other fees such as overdraft, non-sufficient funds (NSF) fee, continuous overdraft, etc. may apply. See fee schedule for details. **$25 for checks and debit cards from another financial institution. Your account will be credited at the time checks/debit cards are presented. Free gift provided at the time of account opening. Ask us for details. Bank rules and regulations apply.