Personal Checking Accounts

At Timberland Bank, we are proud to provide a variety of account options for your unique lifestyle. Explore account features and benefits below, or contact your branch to speak with one of our customer service representatives. Timberland Bank Checking Accounts

Compare Checking Accounts 

You may compare checking account features and benefits below or download our Checking Account Comparison Chart to view all checking account features and benefits at a glance.

My Choice Checking

Open an account today with no minimum balance.

Click here to begin the online application process for this Timberland Bank Checking Account.

50+ Free Interest Checking

A great choice for customers 50 or better!

Click here to begin the online application process for this Timberland Bank Checking Account.

VIP Free Interest Checking

Earns competitive interest!

Click here to begin the online application process for this Timberland Bank Checking Account.

Cash Back Checking

Earn cash back on everyday debit card purchases.

Earn 3% cash back on up to $300.00 in everyday debit card purchases (excluding returns), or a maximum monthly cash back of $9.00 with our Cash Back Checking option. Plus, you could receive up to $10.00 in nationwide ATM fee refunds during each qualification cycle.

Benefits of Cash Back Checking

How to Qualify to Earn Cash Back

Qualifying is easy! In fact, you may already be doing what it takes to earn cash back:

  • Make 12 point-of-sale transactions (swipes) with your Timberland Debit MasterCard that post and settle your account during each qualification cycle. Please note that transactions may take one or more banking days from the date the transaction was made to post and settle. ATM-processed transactions do not count toward qualifying transactions.
  • Receive free e-statements instead of paper statements.
  • Don't worry if you didn't qualify during a given cycle! There are no penalties or monthly maintenance fee, you can still enjoy your free checking account and you can get back on track to earn 3% cash back in the very next cycle.

Please note: Debit card transactions processed by merchants and received by the bank as ATM transactions do not count toward qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count toward qualifying debit card transactions. Purchases must be made with debit card associated with your Cash Back checking account.

Fresh Start Checking

Looking for a fresh start to your financial future? We're here to help.

Click here to begin the online application process for this Timberland Checking Account.

Checking Account Features and Benefits

Our Checking Accounts options are convenient, secure and come with the features and benefits that matter most to you, like:

  • Online and Mobile Banking: Take your bank along wherever you go with Online Banking and the Timberland Bank Mobile Banking App. You will enjoy the secure access to all of your accounts and the ability to view your complete financial picture in one easy stop. Features like Online Statements and Mobile Check Deposit can make personal banking even easier for you— all you need is an Internet connection and we will provide the rest!

  • 24-Hour Phone and Text Banking: Our free 24-Hour Phone and Text Banking features are always secure and easy to use. Plus, you'll save time by accessing your account information easily from your phone. Speech recognition for hands-free operation available. In Grays Harbor dial (360) 537-7578. All other areas dial 1-877-805-6705.

  • Timberland Bank Debit MasterCard: Enjoy 24-hour ATM access to your funds with your Timberland Debit MasterCard. Use your Timberland Debit MasterCard to make purchases without writing a check or paying credit card interest.

  • Debit Card Rewards: You can earn rewards by making everyday purchases using a My Rewards Premium Debit Card. It's easy to qualify and rewards points can rack up fast!

ID Theft and Fraud Protection Services Available

We've teamed up with Deluxe Provent to provide Identity Theft and Fraud Protection services designed to keep your personal and account information safe and secure.

ID Restoration is available for $1.95 per month and provides you with a Certified Restoration Specialist to manage each fraud or ID theft case. Account holders can also store essential personal information in secure online storage to eliminate paper trails and further reduce the risk of ID theft and fraud.

ID Restoration Plus is available for $5.95 per month and also includes a Certified Restoration Specialist and online storage options. In addition, ID Restoration Plus includes ongoing Internet monitoring of certain online records so we can provide alerts the second something seems amiss. You will also benefit from daily credit monitoring and timely notifications with ID Restoration Plus.

Please contact us to learn more about ID Theft Protect and Fraud Protection Services.

These are personal accounts only. Customer purchases checks. Bank rules and regulations apply. Debit card overdraft and returned item fees may apply. Internet service provider fees may apply for Online Banking customers. Bill Pay, Mobile, Tablet and Text Banking may incur fees for messages and data plans. Ask us for full details. For more information, please download our Cash Back Checking and Smart Money Checking cut-off date schedules.