HomeStreet Bank is a full service bank offering pretty good account options. To find out if Homestreet Bank Promotions is right for you, continue reading the review below.
Different from a lot of banks, Homestreet Bank offers a “Set Your Goal CD” and “Home Purchase CD” that have exclusive benefits. You can even withdraw those CDs without penalties!
Homestreet Bank is quite small as it only has locations in Washington, Oregon, Idaho, California, Arizona and Hawaii (as displayed on their site as well), but it has over 111 branches in those states and operates like a full-fledged bank.
View the latest banking promotions from institutions like Chase Bank, Huntington Bank, HSBC, Discover Bank, TD Bank, BBVA, CIT Bank, and Bank of America.
Checking Account Options
Homestreet Bank has an average selection of checking accounts. Each checking account comes with a complimentary Homestreet Bank Visa® Debit Card and free online and mobile banking.
This a classic checking account that requires a minimum of $100 as an opening deposit.
However, there is no monthly fee nor minimum balance requirements to maintain either.
This account does not earn interest.
This is an everyday spending checking account.
Once again, you will need $100 to open it but there are no monthly fees to handle afterwards.
This account also doesn’t earn interest.
You will need $100 to open this account, but this account does earn interest.
The interest earned is tiered so the more you put into this account, the higher your interest will be.
There is a $10 monthly fee, but you can waive it by keeping a minimum daily balance of $2,500.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Homestreet has one standard savings account and you can apply online for it. You will need a minimum deposit of $100 to open one.
There is a $1 monthly fee, but you can waive it by having $200 as a daily balance in your account. View our list of the best interest bearing accounts here.
Statement Savings Account:
- Low minimum daily balance requirement
- You can use this account as overdraft protection for your personal checking account
- Manage your accounts 24/7 with free online and mobile banking
- Receive important account alerts by email or text
- Toll-free number to speak to a Personal Banking Representative
- No additional charge for paper or electronic statements
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard. View our list of the best money market accounts here.
Homestreet has a money market that earns pretty competitive interest rates. You will need a minimum opening deposit of $1,000 in order to open it.
Homestreet Money Market:
- Earns tiered rates for higher balances
- Check writing privileges
- You can use this account as overdraft protection for your personal checking account
- Manage your accounts 24/7 with free online and mobile banking
- Receive important account alerts by email or text
- No additional charge for paper or electronic statements
There is also a $5 monthly fee, but you can waive it when you maintain a minimum daily balance of $1,000.
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
At Homestreet Bank, there is a good selection of CD accounts and terms to choose from. View our list of the best CD rates here.
You will need a minimum deposit of $500 to open this CD, but there is no monthly fee to maintain.
This CD’s terms range from 30 days to 60 months and they are flexible.
The Custom CD earns competitive rates.
Be aware of the penalties that can occur if you withdraw your CD before its maturity date.
With this CD, you can establish your own savings goals.
You will need a minimum deposit of $100, but you can also deposit at least $25 anytime you wish.
Funds may also be withdrawn without penalty when you establish your savings goal.
You can also establish your own savings goal with this CD.
You will yet again need $100 to open this account, but there are no penalty withdrawals for your home purchase.
You are also allowed to deposit $25 or more into this account.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Reasons to Bank with Homestreet Bank
- They have a full selection of account options.
- They have a Set Your Goals CD where you can set your own goals towards your savings.
- Most of their checking and savings accounts don’t require monthly fees or has easily waiveable ones.
- They have pretty decent interest rates throughout all accounts that earn interest.
Reasons Not to Bank with Homestreet Bank
- They are only available in 6 states: Washington, Oregon, Idaho, California, Arizona and Hawaii.
- They don’t have 24/7 customer service.
- Their selection for savings account is small.
Homestreet Bank Routing Number
The routing number for Homestreet Bank is 325084426.
Contact Customer Service
You can reach Homestreet Bank at 800-719-8080.
A customer representative will be available to speak to you at these hours:
- Monday –Friday at 7:00 a.m. to 7:00 p.m. (PST)
- Saturday at 9:00 a.m. to 4:00 p.m. (PST)
- Sunday is closed
How Homestreet Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Huntington Bank: Huntington offers a variety of account options to choose from. Right now, Huntington is offering bonuses when you sign up for select checking accounts, including business ones!
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
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Bottom Line
Overall, Homestreet Bank is a pretty reliable bank with decent account options for being a smaller one.
They offer a self selection CD account where you can set your goals which is pretty rare for a lot of other banks. All their accounts either earn pretty competitive or tiered interest rates so they are worth investing.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with Homestreet Bank, then check out Homestreet Bank Promotions! For more options from a variety of banks, see our list of the best bank promotions!
didn’t have many problems opening an account with them. and they are a soft pull based on chexsystems!
I signed up but it never asked for a promo code. Anyone else have this?
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