Overview of Washington Trust Bank

Washington Trust Bank is one of the largest banks in the United States and also one of the oldest. The bank began operations in 1902 and today has assets of $11 billion which places it firmly in the 90th percentile of banks in the United States. The bank’s primary office is located in the city of Spokane in the state of Washington. Based on FDIC data, Washington Trust Bank had the 9th largest share of deposits in the state of Washington, representing 3.3% of deposits in the market.

Of the banks headquartered within the state, Washington Trust Bank is the third largest, and it is right behind Columbia State Bank and Banner Bank, in terms of deposits. Washington Trust Bank operates entirely domestically and has 42 offices and as of this writing, the bank employs a total of 1,084 people.

Products and Services

The bank has an extensive offering of both products and services for consumers and businesses. Some of its offerings include the following:

  • Checking Accounts – the main checking account offered by Washington Trust Bank is its Simplicity Checking account. To open the account you need to have $50 or more deposited, but beyond this there is no minimum balance required. The bank charges a $3 monthly base fee which is waived if you have monthly recurring direct deposits set up OR receive electronic statements.
  • Savings Accounts – the main savings account offered by the bank is its Simplicity Savings account which is similar to its checking account equivalent. This account requires $50 or more to open. Account holders also have to maintain a balance of $300 or more each day, or they will get charged a $3 monthly service charge. In addition, account holders can deposit up to 75 items per statement cycle for free; beyond this amount there is a $0.20 per item fee. Currently, the bank offers a 0.05% APY on its savings accounts, which while above most of the top 5 banks, is below the national average of 0.10%.
  • Credit Cards – the bank offers Visa Signature and Visa Platinum credit cards which offer credit limits above $5,000 and between $300 and $4,999, respectively. All of the bank’s credit cards have fraud protection with zero liability (including online purchases), travel accident insurance and overdraft protection if you also have a checking account with Washington Trust Bank.
  • Mortgages – the bank has a range of home loan products available including FHA, VA and USDA products for first-time homebuyers as well as refinance products.

Washington Trust Bank Checking Accounts Review


The bank offers customers three options for checking accounts, with the Simplicity Checking being the one account that could be considered a free checking account; if customers opt to receive electronic statements, the $3 monthly charge is refunded. The checking account option that is most comparable to the bank’s main competitors is its Preferred Checking account. This account compares quite favorably to the offerings at Bank of America, Chase Bank and Wells Fargo.

This is mainly due to the fact with Washington Trust Bank’s Preferred Checking account, the monthly fee is lower, the account earns interests and also offers each month, one refund of overdraft fee charges and 2 refunds of ATM fees charged for withdrawals conducted at other bank’s ATMs.

In addition, although the bank still charges its customers overdraft fees, it has a higher threshold than most banks. Customers of the bank won’t be charged an overdraft fee unless their account is overdrawn by more than $7. By comparison Wells Fargo starts charging fees when your account is overdrawn by $5.00 and for Bank of America its $1.00.

Washington Trust Bank Routing Number

Washington Trust Bank’s routing number is 125100089. With your account number you can use the routing number to set up transfers to and from your bank account. The bank has an online bill payment system called “WTB Online Bill Pay” that allows you to make bill payments easily online. You can also set up one-time or recurring bill payments and also receive bills online from payees. For more details on the bank’s Bill Pay system visit this page.

Currently, the bank does not have Zelle capability and is one of the few large banks that is not on the list of banks that use Zelle. Therefore, customers need to download the Zelle app. As of this writing the bank’s mobile applicationĀ  (WTC Mobile Banking) has a 4.8 star rating on iOS and over 2,000 ratings.

Washington Trust Bank Locations

The bank has more than 40 branches across the United States. The bank’s branches are located in three states: Washington, Idaho and Oregon. Branch hours are typically 9am to 5pm Monday to Friday although certain locations open at 8:30am and a handful will close at 6pm some days. Below is the address and contact information for each of the bank’s branches.

Washington Trust Bank Branches in Washington State

Airway Heights

  • Branch Address: 10609 W State Route 2, Spokane, WA 99224
  • Branch Phone Number: 509-244-7089

Deer Park

  • Branch Address: 903 S Main Ave, Deer Park, WA 99006
  • Branch Phone Number: 509-276-8866

East Sprague

  • Branch Address: 3510 E Sprague Ave, Spokane, WA 99202
  • Branch Phone Number: 509-353-5670

East Wenatchee

  • Branch Address: 523 Valley Mall Parkway, Wenatchee, WA 98802
  • Branch Phone Number: 509-884-7111


  • Branch Address: 12 Basin NW, Ephrata, WA 98823
  • Branch Phone Number: 509-754-3534

Five Mile

  • Branch Address: 1906 W Francis Ave, Spokane, WA 99205
  • Branch Phone Number: 509-353-3914


  • Branch Address: 27 E Indiana Ave, Spokane, WA 99207
  • Branch Phone Number: 509-353-4232


  • Branch Address: 3250 W Clearwater Ave, Kennewick, WA 99336
  • Branch Phone Number: 509-734-0450

Liberty Lake

  • Branch Address: 1427 N Liberty Lake Rd, Liberty Lake, WA 99019
  • Branch Phone Number: 509-353-5656

Lincoln Heights

  • Branch Address: 2415 E 29th Ave, Spokane, WA 99223
  • Branch Phone Number: 509-353-3928

Main Branch

  • Branch Address: 717 W Sprague Ave, Spokane, WA 99201
  • Branch Phone Number: 509-353-3865
  • Branch Hours: Monday to Friday 9am to 5pm


  • Branch Address: 3103 S Grand Blvd, Spokane, WA 99203
  • Branch Phone Number: 509-353-5645

Maple & Garland

  • Branch Address: 3810 N Maple St, Spokane, WA 99205
  • Branch Phone Number: 509-353-3738

Medical Center

  • Branch Address: 105 W 8th Ave, Spokane, WA 99204
  • Branch Phone Number: 509-353-4180

Moses Lake

  • Branch Address: 402 S Ash St, Moses Lake, WA 98837
  • Branch Phone Number: 509-765-7811

North Wenatchee

  • Branch Address: 1851 N Wenatchee Ave, Wenatchee, WA 98801
  • Branch Phone Number: 509-663-7429


  • Branch Address: 7815 N Division St, Spokane, WA 99208
  • Branch Phone Number: 509-353-4136


  • Branch Address: 670 SE Bishop Blvd, Pullman, WA 99163
  • Branch Phone Number: 509-332-2827


  • Branch Address: 509 Central Ave S, Quincy, WA 98848
  • Branch Phone Number: 509-787-3582


  • Branch Address: 601 Union Street Ste 4747, Seattle, WA 98101
  • Branch Phone Number: 206-667-8989

Second & Wall

  • Branch Address: 706 W Second Ave, Spokane, WA 99201
  • Branch Phone Number: 509-353-5640

Smokey Point

  • Branch Address: 2437 172nd Street NE STE L103, Marysville, WA 98271
  • Branch Phone Number: 360-965-4250

South Wenatchee

  • Branch Address: 759 S Wenatchee Ave, Wenatchee, WA 98801
  • Branch Phone Number: 509-663-6554


  • Branch Address: 407 N Sullivan Rd, Veradale, WA 99037
  • Branch Phone Number: 509-353-4049

Valley Financial Center

  • Branch Address: 310 N Argonne Rd, Spokane, WA 99212
  • Branch Phone Number: 509-353-5680


  • Branch Address: 438 E Hasting Rd, Spokane, WA 99218
  • Branch Phone Number: 509-353-4010

Washington Trust Bank Branches in Idaho

Boise Downtown

  • Branch Address: 901 W Bannock St, Boise, ID 83702
  • Branch Phone Number: 208-343-5000

Coeur d’Alene

  • Branch Address: 218 Lakeside Ave, Coeur d’Alene, ID 83814
  • Branch Phone Number: 208-667-2521


  • Branch Address: 8050 N Government Way, Hayden, ID 83835
  • Branch Phone Number: 208-762-8494

Idaho Center

  • Branch Address: 6010 E Franklin Rd, Nampa, ID 83651
  • Branch Phone Number: 208-461-5205


  • Branch Address: 1518 21st Street, Lewiston, ID 83501
  • Branch Phone Number: 208-750-7940

Meridian Financial Center

  • Branch Address: 3251 E Presidential Dr, Meridian, ID 83642
  • Branch Phone Number: 208-288-1501


  • Branch Address: 222 E. Troy Road, Moscow, ID 83843
  • Branch Phone Number: 208-883-6724


  • Branch Address: 2200 N Cassia St, Nampa, ID 83651
  • Branch Phone Number: 208-442-0099


  • Branch Address: 7802 W Overland Rd, Boise, ID 83709
  • Branch Phone Number: 208-377-2811

Post Falls

  • Branch Address: 1601 E Seltice Way, Post Falls, ID 83854
  • Branch Phone Number: 208-773-7921


  • Branch Address: 509 N 5th Ave, Suite E, Sandpoint, ID 83864
  • Branch Phone Number: 208-263-3485

State Street

  • Branch Address: 7309 W State St, Garden City, ID 83714
  • Branch Phone Number: 208-853-4151

Washington Trust Bank Branches in Oregon

Bend Financial Center

  • Branch Address: 1219 NE 3rd St. Suite 120, Bend, OR 97701
  • Branch Phone Number: 541.516.8320

Portland Office

  • Branch Address: 760 SW 9th Ave, Ste. 1900, Portland, OR 97205
  • Branch Phone Number: 503-778-7077

Washington Trust Bank Standalone ATM Locations

Drive Up Kiosks

  • Indian Trail: 9015 N Indian Trail Rd, Spokane, WA 99208
  • Regal Street: 4501 S Regal St, Spokane, WA 99223

Standalone ATMs

  • Central Washington Hospital: 1201 S Miller St, Wenatchee, WA 98801
  • Rockwood Clinic: 400 E Fifth Ave, Spokane, WA 99202
  • Valley Mall: 14700 E Indiana Ave, Spokane, WA 99216
  • Schweitzer Engineering Labs: 2651 NE Hopkins Ct, Pullman, WA 99163

Other Information For Washington Trust Bank

  • Main Office Address: 717 W Sprague Ave., Spokane, WA 99201
  • Website: www.watrust.com
  • Total Number of Branches: 42
  • Total Number of International Branches: None
  • Number of Employees: 1,084
  • FDIC Certificate Number: 1281
  • FDIC Community Bank: No
  • FDIC Field Office: Seattle
  • Independent or Subsidiary Bank: Independent
  • Federal Reserve ID Number: 58971
  • Bank Charter Class: NM
  • Primary Regulator: FDIC