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)*
No charge for the first automatic transfer to the Plus Checking account when using our optional Transfer Overdraft Protection Service (TOPS)
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 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.
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: 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
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 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.
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.
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.
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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