I started out at WSB as a part-time teller. I quickly learned what a supportive environment it was. The Bank invested in my Master's education, sent me to the New England School of Financial Studies, and supported my growth to the current position I'm in. Applying for that first position was the best decision I could have made. For those looking at opportunities at Watertown Savings Bank I'd say, give it a shot.
Checking Accounts
Spend time on what really matters
Checking Account Details
Exceptional service combined with excellent value make Watertown Savings Bank the smart choice for your checking account. We know everyone uses checking accounts differently, so we offer a variety of checking accounts to meet a variety of needs.
Each Checking Account offers:
- Convenient access to mobile banking with exclusive security features such as CardValet (it lets you turn your card on/off and set transaction alerts), Mobile Check Deposit, Bill Payment, Account Transfers, Person to Person Payments and more
- Full-service online banking access with account and budget management, Bill Payment, Account Transfers, Person to Person Payments and more
- Unlimited, surcharge-free ATM usage at WSB and SUM-network locations
- Many benefits include ID Theft Protection with your no-fee WSB Mastercard debit card
- Deposits insured in full: Member FDIC and Member DIF
Our WSB checking account holders also have the option to rent a safe deposit box.
NOTE: Online account opening is temporarily unavailable while we are in the process of upgrading our system. We expect to be back online soon with an improved online experience. For now, we invite you to Book an Appointment to open an account at your convenience. It'll be quick and easy, and you'll walk out with an instant WSB debit card.
Checking Account Comparison Chart
| Account | Minimum to Open | Monthly Fee | How to Waive Monthly Fee |
ATM Fees at WSB and SUM-network locations |
ATM Fees at other bank and ATM locations |
Interest rate: See Rate Sheet Below |
Transfer Overdraft Service Fee |
|---|---|---|---|---|---|---|---|
| Free Checking | $10 | None | N/A | Free | Other banks may impose a surcharge | N/A | $10 each1 |
| Plus Checking | $10 | $5 |
Minimum $1002 or Direct Deposit |
Free | Other banks may impose a surcharge | Variable |
First free; then $10 per transfer |
| Pinnacle Checking | $10 | $15 | $10,000 combined3 | Free | Other banks may impose a surcharge | Variable | No charge |
1The Transfer Overdraft Service Fee is not available for customers 18 years and younger.
2Minimum balance must be maintained throughout the statement period to avoid a monthly service fee.
3Combined balance of all WSB related accounts during the statement cycle.
Review our current Miscellaneous Fee Schedule
Checking Account Rate Sheet (As of March 20, 2023)
| Account | Interest Rate | APY | Minimum to Obtain Advertised APY |
|---|---|---|---|
| Free Checking | N/A | N/A | N/A |
| Plus Checking | .02% | .02% |
$50+ |
| Pinnacle Checking | .05% | .05% | $50+ |
APY is Annual Percentage Yield.
Interest is compounded monthly. All listed rates are variable and may change after the account has opened. Fees may reduce earnings. Rates are subject to change without notice.
Customer Feedback on WSB Products and Services
Related Services
Enjoy the ease and convenience of managing bank accounts, transferring money, and paying bills online by logging into your WSB Online account on watertownsavings.com.
1. Account Monitoring: Access your account balances, account history, statements, check images
2. Bill Payments: manage the payments and keep a history of your transactions.
3. Send Money to your Contacts: Use Popmoney to send money to your friends and family using their email address or phone number, without having to exchange account information.
4. Transfer money between your accounts: Quickly move money between your WSB accounts or transfer funds to other financial institutions through External Transfers.
5. Create Customized Alerts: Be in control of your accounts and banking activities by setting up alerts
6. Fill out Secured Forms: Submit Change of Address, Travel Notification, or Special Overdraft Service Opt-in/Opt out documentation through Secured Forms
Learn MoreEnjoy banking convenience on the go from your mobile device. Take advantage of exclusive mobile features and access key benefits of WSB Online on the go.
- Control your cards by turning them 'on' and 'off'
- Save time with mobile check deposits
- Never miss a bill payment - take a picture to pay for it
- Send and receive payments using Popmoney
- Make external account transfers
- Transfer money between your accounts
- Check your account balances
- Find the nearest ATM location
- Change your password
Download the WSB Money app onto your iPhone or the WSB Mobile Banking app on your Android phone.
Apple Pay, Android Pay, and Samsung Pay offer an easy and secure way to pay with your WSB debit card. Enjoy the convenience of just waving your mobile device over a merchant’s payment terminal at checkout.
- Shop Securely: Get the same fraud protection as you would when using your physical WSB debit card. In addition, with Apple Pay and Android Pay you get fraud protection as well as an added layer of security to protect your personal information when payments are processed.
- Where to Shop: Accepted almost anywhere, you can use Apple Pay, Android Pay, and Samsung Pay at merchants where mobile payments are accepted, in stores and online.
Learn More
Email it. Text it. Pay people with Popmoney®. The Popmoney personal payment service lets you send money to friends, family, or almost anyone from your mobile device. All you need is their name and email address or mobile number to move money from your bank account to theirs in seconds.
It is just as easy as other payment services, with the added bonus of being secure! Send and receive money directly to and from a banking institution and not a third-party provider.
Find Popmoney on the WSB Mobile Banking App under Payments or when you log in to your WSB Online account.
Learn MoreTake Control of your Mastercard Debit Card with the Cards feature on your WSB Mobile Banking app
Enjoy the ability to control your card at your fingertips:
- Turn your debit card ‘on’ and ‘off’
- Control spending by setting transaction and location limits
Get peace of mind knowing you can control all your debit cards from your phone through the WSB Mobile Banking app
Learn MoreTestimonials about Watertown Savings Bank
Randy Buck, SVP HR, IT and Compliance
WSB Executive for over 30 years
Jennine and Tim H., Infinex Investments, Inc., Customers
Customers for over 20 years
Sandy [Penchansky, CFP] has been our Financial Advisor for over 20 years. He explains everything to us and we trust him a lot. We don't have to worry about where our money is. If we call, he always calls us back right away. We've met his family and his wife. He's a very easy person to talk to and he truly cares about us.
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