Pick a large nationwide chain for your retail banking in Washington Some people like knowing that their retail bank in Washington is part of a large nationwide chain with dozens or hundreds of branches throughout the country. If the full range of retail services -- lines of credit, investment opportunities, checking, online banking, ATMs and locations throughout the state and country that a big chain offers -- is what you want from retail banking in Washington, choose a large national player that is well-represented in your community.

I recommend:  Bank of America has Washington retail banks throughout the state, including multiple branches in major cities. Wells Fargo is another national banking institution with many Washington retail banks. Washington Mutual is a national bank that started in Washington; read about its roots in Seattle.

Choose among Washington state community banks If you like keeping your money local, or prefer smaller banks to giant national chains, consider smaller retail banks in Washington. Make sure, however, that if you go with a smaller choice, you find a Washington retail bank that has all the resources and services you need. There are many Washington-based choices for your Washington retail banking needs; selecting one of the larger ones ensures that you get all the services offered by national chains.

I recommend:  Cascade Bank and 1st Security Bank of Washington both offer the full gamut of Washington retail banking services.

Find retail banks in Washington using online tools If you're still not sure about your choice -- or are torn between a few banks that sound good -- turn to the Internet to help you find a Washington retail bank that fits your needs. Searching online and exploring companies' websites is also a good way to compare the Internet services your respective options provide.

I recommend:  Use Bankrate.com to compare Washington retail banks.