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.
Ideal for on-the-go individuals who want to regularly use their debit card and checking account for everyday purchases and bill payments, while earning a competitive interest rate.
Details:
$10 minimum account opening deposit
No monthly fee (when you meet balance or transaction requirements)*
Free transfer overdraft protection from an assigned account
First order of basic checks free
Safe deposit box rental discount with auto payment
Ideal for individuals looking to combine their WSB accounts with their checking account, to enjoy a full suite of WSB banking benefits while earning a competitive interest rate.
Details:
$10 minimum account opening deposit
No monthly fee (when you meet balance requirements)*
Free transfer overdraft protection from an assigned account
Unlimited basic checks
Discount on safe deposit box rental with auto payment
Complimentary meeting with Infinex Investments, Inc. financial advisor
Checking Account Rate Sheet (As of September 18, 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.
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.
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
Enjoy 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.
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.
Lisa Marie K., The Diner at 11 No. Beacon
WSB Deposit and Mortgage Customer since 2010
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.
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