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
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.
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.
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.
Refer A Friend and Get Rewarded!
Know someone who would want to become a Watertown Savings Bank customer? Tell us! You and your friend could each get up to $200.
Offer details: *The current Watertown Savings Bank (WSB) account holder is to refer a person who will be a new WSB customer (“referral”). The referral is to complete the following two steps for each party to qualify for the FIRST $100 bonus: 1. Open any new WSB checking account with eStatements, which is subject to approval. Minimum deposit at account opening is $10. To open an account, the referral will go to watertownsavings.com and use code: “FRIEND” or visit a WSB branch location and mention code “FRIEND” at the time of account opening. The WSB Free Checking account carries no monthly fee and has no ANNUAL PERCENTAGE YIELD (APY). As of 7/24/2019, the APY for the WSB Plus Checking account is 0.05%. The referral must maintain a minimum daily balance of $50 in the account each day of the statement cycle to obtain the disclosed APY. The referral will earn interest for every day during the period that their account balance equals or exceeds $50. Rates may change at any time before or after the account is opened. Fees may reduce earnings. The Plus Checking account has a $5 monthly fee, which is waived if the referral maintains a minimum daily balance of $100 in the account each day of the statement cycle, or if the referral has a recurring direct deposit. 2. Sets up a recurring direct deposit of payroll and receives direct deposits totaling at least $1,000 or more within 60 days of account opening. The first $100 bonus will be deposited to the current account holder’s WSB account and to the referral’s new WSB Checking account within 4-6 weeks after the foregoing requirements have been met. The current account holder and the referral each qualify for the SECOND $100 bonus, respectively, after the referral completes the following two steps: 1. Use their WSB debit card at least six times within 60 days of account opening. 2. Set up Bill Pay by enrolling in online banking and making at least 1 payment through Bill Pay within 60 days of account opening. The second $100 bonus will be deposited to the current account holder’s WSB account and to the referral’s new WSB checking account within 4-6 weeks after the foregoing requirements have been met.
Offer valid until September 30, 2019. Offer subject to change without notice.
Any taxes due on this gift are the responsibility of the recipient.
The Refer a Friend program discloses that each party has an account at Watertown Savings Bank. To participate both parties agree to waive their rights to privacy in that regard. By submitting this sign up form, you give permission to the bank, in the context of the Refer a Friend program, to make it known to each other that you have an account at Watertown Savings Bank and completed the requirements to receive the bonus described above.
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