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Move Forward with Journey Checking

We love living in the South Sound and we’re honored to be the bank of choice for so many locals for more than 116 years.
As we head into summer, get your finances cruising with Journey Checking, which comes with the latest digital tools and an exceptional rate!
Wherever you’re going, Journey Checking is your most rewarding route! Switch to OlyFed and experience how mutual banking means more.

Open a Journey Account In Branch  OPEN A JOURNEY ACCOUNT ONLINE

Journey Checking: 3.49% | 3.60% APY*

Journey Checking delivers 3.49% / 3.60% APY* on daily balances up to $10,000 with no monthly service fee! In addition, Journey lets you enjoy access to more than 30,000 surcharge-free ATMs nationwide and there is no charge for money orders and bank checks.

Built with technology in mind, Journey Checking delivers a better banking experience. You can create budgets and manage your money in one place like paying bills, reimbursing friends, and transferring money to savings and investment accounts.

Even better, you can see your net worth at a glance, receive transaction alerts, manage your credit, and control your debit card and wallet from your phone.

All of these fingertip-ready tools provide you with the information to identify trends and help you make better financial decisions.


OlyFed It and Forget It!

At the core of your finances is a checking account and we have designed Journey Checking to give you the tools, resources and insight to help, not hinder your busy life!

Better yet, Journey Checking was developed to be good for you and our community, so when you debit, we donate! For every debit card transaction, OlyFed dedicates 2 cents to a local nonprofit. This has amounted to more than $140,000 for our community.

The switch to OlyFed is easy! You can move your direct deposits and auto payments to OlyFed in just a few clicks.


Many Great Features

Account Features Journey Checking
Minimum Balance to Open
Minimum Balance to Open $100
Monthly Service Fee
Monthly Service Fee $0
Earns Interest*
Earns Interest*
Digital Banking**
Digital Banking**
Personal Finance Management
Personal Finance Management
Credit Monitoring & Reports
Credit Monitoring & Reports
Debit Card Control
Debit Card Control
Surcharge Free ATM w/ Visa Debit Card
Surcharge Free ATM w/ Visa Debit Card
Notary Service
Notary Service $0
Money Orders & Bank Checks
Money Orders & Bank Checks $0


Variable interest rate account. Rates effective June 2, 2023 and are subject to change anytime and without notice.

• An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 3.60% to 0.40%, depending on the balance in the account.

• If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 3.49% with an annual percentage yield of 3.60%*.

• If your account does not have the required activity noted below* an interest rate of 0.05% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.05%, depending on the balance in the account.

*Premium rate requires monthly direct deposit of $500 or more, debit card activation and 10 debit transactions posted per statement cycle, enrollment in retail online banking and signing up to receive eStatements, and maintaining active online banking access as outlined in the Online Banking Terms & Conditions Agreement. One account per Social Security Number. Minimum $100.00 to open an account. Fees may reduce earnings and rate may change after account opening.

** All accounts offer our full suite of digital banking services including Bill Pay, Digital Wallet, Transfers and more.


Banking Built Better

Mom with child on computerWe believe banking should be simple, elegant, and dare we say enjoyable. We believe in keeping the fine print and fees to a minimum and creating transformational relationships built on trust, not transactional ones based on maximizing profits. Our people are incentivized to serve, not sell, and our products are crafted to do the same thing.

To us, you’re more than the balance of your bank account: Guided by our “Better Fedder” training and a compassionate and caring attitude, we nurture relationships to help you define and achieve your financial goals, which is why we put people above the bottom line.


Checking that’s Good for You and Our Community

We contribute two cents to local charitable organizations with your debit card transactions. By swiping, using your digital wallet, or ordering online, your OlyFed debit card will generate two cents to be donated to a nonprofit in the South Sound!

This charitable gift-giving program is free, year-round and works with any OlyFed debit card that’s tied to an active account. It’s an automatic stream of donations to a local nonprofit simply by using your OlyFed debit card for transactions that you normally make.

Our Two Cent Campaign launched in November of 2018 and has provided more than $140,000 in support to more than 50 local nonprofit organizations whose missions are to improve the quality of life in our area. The benefiting charity changes each month and all you have to do is continue the things you love like shopping, eating out and grabbing a movie with friends.



As a mutual bank, we’re accountable to you, our customers, not corporate shareholders. With our business model, you’re more than a customer, you’re a stakeholder, which means more for your wallet, for your future and for our community.

This translates to many low to no-cost product and service options. It means we’re focused on helping you get ahead with budgets, financial plans and accounts that provide safe, sustainable and meaningful ways to save.

When you bank with us, you can rest assured knowing you’re doing business with a bank that puts our local neighbors first. Each year, we donate anywhere from 10 to 15% of our profits back to the community, which totaled $465,000 in 2020! Furthermore, we foster a culture of volunteerism among our people, who happily contributed more than a thousand hours of service last year.

Quarterly Celebration

It’s super easy to switch to our free checking accounts! With just a few clicks of your mouse, you’re on your way to digitally transfer your direct deposits and automatic payments to your new OlyFed account.

Ask your OlyFed banker how to get the ClickSWITCH process rolling by contacting us or visiting any of our branch locations.

Questions? We’ve got answers. Enter Your SwitchTRACK Code


Raina at local bakery in downtown Olympia WA

If you look up OlyFedder in the urban dictionary you’ll find a description of our extraordinary group of financial professionals who find joy and purpose in the meaningful work we do with our customers and community. We’re here to help you.

The People The Stories Schedule A Personal Appointment


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