View of Olympics from East Bay, Olympia

View of Olympics from East Bay, Olympia.

Checking Accounts - Smart Choices

Oly Fed offers checking account options to meet your needs. Review options and decide what's right for you, or visit with a customer service representative at a branch to help. And now moving your checking is easy and hassle free with our Oly Fed Switch Kit.

To open your Oly Fed account, call us at 360-754-3400 or 1-800-865-3470, send us an email: or visit us at any of our branch locations.

Select a personal checking account below for more information:

ChoiceOur most popular checking account. Loaded with free services plus pays interest Choice Checking - Free Is Cool! Includes:
  • Free bill pay
  • Free online banking
  • Free mobile banking
  • Free debit / ATM card
  • Free eStatements
  • Surcharge Free ATM MoneyPass Network
  • Free personalized Oly Fed specialty checks*
  • Unlimited free bank checks & money orders
  • Free 24-hour telephone access
  • Unlimited check writing
  • Competitive interest paid on any balance

*Limit one box per order

$100.00 minimum deposit to open. Monthly service fee of $8.00 is waived with an account balance of $10,000 in any combination of deposit accounts, or an automatic payment to your Oly Fed mortgage or Equity Line.

Green FreestyleNo minimum balances required and tons of convenient free services Green Freestyle Checking - What’s not to like about free checking!
  • $1 opening deposit or check printing costs, if checks desired
  • Free Debit/ATM card
  • Free Online banking and billpay
  • Free mobile banking
  • Free 24-hour telephone banking
  • Unlimited check writing
  • Surcharge Free ATM MoneyPass Network
  • No minimum balance required
  • No monthly fee
Money MarketPremium rates with unlimited funds access. Open for as little as $2,500 Money Market - Open with as little as $2,500...Market interest rates + convenient access!
  • Earn premium rates: Balances of $2,500–$10,000–$50,000–$100,000 or more
  • Earn interest from date of deposit to date of withdrawal
  • Daily compounding of interest*
  • Unlimited cash withdrawals in person at any Olympia Federal Branch
  • Access to your funds via check and automatic withdrawal options**
  • Money Market Account interest rate is subject to change weekly on all tiers with a corresponding change to the annual percentage yield
  • Surcharge Free ATM MoneyPass Network
  • Free Debit/ATM card
  • Free Checks

Tier 1 $50-$2,499
Tier 2 $2,500-9,999
Tier 3 $10,000-$49,999
Tier 4 $50,000- $99,999
Tier 5 $100,000 or more

*Must maintain minimum of $50 in account each day to obtain the disclosed annual percentage yield.
** Transfers from a money market account to another account or third parties by preauthorized automatic, telephone, or computer transfer or by check, debit card or similar order to third parties are limited to six per statement cycle.

Jump StartFor young adults. $50 to open, no min. balance & included Debit/ATM Card Jump Start - The perfect (and free) way for young adults to start!
  • $50 to open
  • First 50 checks free
  • No monthly fee
  • Free Debit/ATM card
  • No minimum monthly balance
  • Surcharge Free ATM MoneyPass Network
  • Financial literacy for those just starting out
Interest(Non-personal) Great option available to non-profits and DBA accounts only Interest - Available for non-profit and DBA businesses only
  • $100 to open
  • $5.00 service fee if balance falls
    below $500 any day during cycle
  • Free Debit/ATM card
  • Surcharge Free ATM MoneyPass Network

Oly Fed Switch Kit - Quick & Easy!

The Oly Fed Switch Kit is your quick and easy transition guide to switching your checking to Oly Fed! The Switch Kit outlines the steps to take and includes the simple forms needed to help you make the transition. Download the Switch Kit, print it, fill it out or pick up a copy at any of our branch locations.

Click here to download the Oly Fed Switch Kit Change Forms (PDF)