Washington Financial Bank logo

Washington Financial Bank in Washington, PA

No stored Google rating available.

FDIC-insured bank offering personal checking, savings, mortgages, and online banking with a focus on relationship-based service and accessibility.

Data compiled from public sources

Washington Financial Bank Review

Washington Financial Bank is a regional bank that emphasizes personal relationship banking with integrity and transparency as core values. The bank operates with FDIC insurance backing, providing customers with federal deposit protection. Based on their website messaging, they position themselves as "The Bank That Gets You," suggesting a customer-centric approach to traditional banking services.

The bank offers a comprehensive suite of personal banking products including checking accounts, savings accounts, certificates of deposit (CDs), debit cards, home equity loans, mortgages, and youth checking accounts for ages 13-15. Their online and mobile banking platform allows customers to manage accounts remotely, and they offer Zelle for peer-to-peer transfers. They highlight competitive CD rates and a savings product called "Rebellion Savings" with no fees.

Washington Financial Bank distinguishes itself through several accessibility and service features: they maintain AudioEye accessibility tools on their website, offer dedicated customer support lines, provide fraud and online security resources, and explicitly communicate their commitment to never requesting personal financial information via unsolicited calls. Their youth banking product includes ATM fee reimbursements and financial education positioning. As a regional bank, Washington Financial appears to serve primarily personal banking needs rather than offering extensive business or investment services beyond what's mentioned.

While they present as community-focused and relationship-oriented, the website content is limited in depth regarding specific rates, fees, minimum balances, or comprehensive service details. Their mortgage services are promoted but lack specifics about loan types, rates, or approval criteria.

Services & Features

Business Online Banking enrollment
Certificates of Deposit (CDs)
Debit Cards
Fraud and Online Security resources
Home Equity Loans
Mortgage Loans (home purchase and refinancing)
Online and Mobile Banking
Personal Checking Accounts
Personal Online Banking enrollment
Personal Savings Accounts (Rebellion Savings)
Youth Checking Accounts (ages 13-15)
Zelle money transfer service

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by full faith and credit of U.S. Government
  • No-fee Rebellion Savings account with emphasis on rate claims to verify
  • Youth Checking Account designed for ages 13-15 with ATM fee reimbursements and Zelle access
  • Accessible website with AudioEye toolbar and accessibility optimization
  • Online and mobile banking available for account management anytime, anywhere
  • Home Equity Loan products available for debt consolidation and home improvement
  • Explicit security messaging and fraud prevention resources prominently displayed

Cons

  • Website lacks specific fee schedules, minimum balance requirements, or exact interest rates
  • Limited information about business banking services despite having a business login option
  • No details provided about mortgage loan types, rates, or approval timelines
  • Regional bank status may limit physical branch accessibility for some customers
  • Minimal transparency about CD terms, rates, or laddering options

State Consumer Finance Context

This is state-level context for Banks consumers in Washington, PA. It does not confirm that Washington Financial Bank or this specific location is licensed.

State regulator

Pennsylvania Department of Banking and Securities

Key state rules to check

  • Payday lending is banned; the state's usury cap of 6% (24% for licensed lenders) prevents it.
  • Licensed consumer discount companies regulated under the Consumer Discount Company Act.
  • The Pennsylvania Unfair Trade Practices and Consumer Protection Law prohibits deceptive lending.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Washington Financial Bank processed 425 mortgage applications in 2023, with 84.7% recorded as approved across 3 states.

425

Applications

84.7%

Approval Rate

$272K

Avg Loan

3

States Served

Approval Rate by Applicant Income

Under $50K
59.3%
$50K–$100K
81%
$100K–$200K
88.6%
Over $200K
94.4%

Based on 425 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Pennsylvania 423 apps · 82.7%
Maryland 1 apps · 100%
Virginia 1 apps · 100%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Washington Financial Bank offer?

Washington Financial Bank offers 12 services including Personal Checking Accounts, Personal Savings Accounts (Rebellion Savings), Certificates of Deposit (CDs), Debit Cards, Online and Mobile Banking, and 7 more.

What profile signals are listed for Washington Financial Bank?

Washington Financial Bank has profile signals associated with Customers seeking FDIC-insured deposit products with relationship-based service, First-time homebuyers interested in mortgage products with personal guidance, Parents wanting to teach financial literacy to teenagers through youth banking accounts, Homeowners with equity seeking consolidation loans or home improvement financing.

What are the strengths and weaknesses of Washington Financial Bank?

Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; No-fee Rebellion Savings account with emphasis on rate claims to verify; Youth Checking Account designed for ages 13-15 with ATM fee reimbursements and Zelle access. Areas to consider: Website lacks specific fee schedules, minimum balance requirements, or exact interest rates; Limited information about business banking services despite having a business login option.

How does Washington Financial Bank compare to similar companies?

In the Banks category, comparable providers include American Bank, Philadelphia Letter Carriers, Tioga Franklin Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1899
Headquarters
Washington, PA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #29520
Visit Washington Financial Bank

CreditDoc Profile Note

Research Note on Washington Financial Bank

Washington Financial Bank is profile signals for customers who value relationship-based banking and community connection over digital-only or discount banking models. The main caveat is that critical information like specific rates, fees, and loan terms are not transparently displayed on their website, requiring direct contact to compare offers with competitors.

Profile Signals

  • Customers seeking FDIC-insured deposit products with relationship-based service
  • First-time homebuyers interested in mortgage products with personal guidance
  • Parents wanting to teach financial literacy to teenagers through youth banking accounts
  • Homeowners with equity seeking consolidation loans or home improvement financing
Updated 2026-05-08

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Profile signals: Philadelphia-area residents seeking traditional community bank checking and savings accounts, Savers with $10,000+ available for CD laddering at rate claims to verify

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Quick Summary

  • Washington Financial Bank is listed as a Banks provider in Washington, PA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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