We were nervous about buying a house; it's such a huge purchase. But we had such a smooth and easy experience at Watertown Savings Bank. We sat down with the Vice President and just had a conversation. They made us feel so comfortable with the process. Now, I have the most beautiful home I could have ever hoped for! And I thank Watertown Savings Bank for that.
Checking Accounts
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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.
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 |
|---|---|---|---|---|---|---|---|
| Free Checking | $10 | None | N/A | Free | Other banks may impose a surcharge | N/A | No charge |
| Plus Checking | $10 | $5 | Minimum $1001 or Direct Deposit | Free | Other banks may impose a surcharge | Variable | No charge |
| Pinnacle Checking | $10 | $15 | $10,000 combined2 | Free | Other banks may impose a surcharge | Variable | No charge |
1Minimum balance must be maintained throughout the statement period to avoid a monthly service fee.
2Combined balance of all WSB related accounts during the statement cycle.
Review our current Miscellaneous Fee Schedule
Checking Account Rate Sheet (As of April 28, 2025)
| 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
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
- 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
Take 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
Lisa Marie K., The Diner at 11 No. Beacon
WSB Deposit and Mortgage Customer since 2010
Crystal P., Realtor and Mom, Watertown
WSB Customers since 2006
One of the WSB features that I can't go without is the Mobile Banking app. Being a realtor, always being on the go, having two kids, the mobile banking app is so simple and easy to use. I can snap and click to deposit a check. When I shop for my kids for school, I can quickly check my account balance with a touch of a finger. I know it's safe and secure and I don't have to think about it.
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