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.
Personal Savings
We make it easy for you to focus on what's important
Savings Accounts Details
Exceptional service combined with excellent value make Watertown Savings Bank the smart choice for savings accounts. Also, your savings account funds are fully insured. FDIC covers up to at least $250,000, and Depositors Insurance Fund (DIF) covers all funds not covered by FDIC. The Watertown Savings Bank account can be easily accessed through WSB Online, telephone banking, ATM, and of course, at our branches.
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.
Savings Account Comparison Chart
| Account | Minimum to Open | Monthly Fee | Balance to Waive Fee | Foreign ATM Fee3 |
|---|---|---|---|---|
| Access Savings | $10 | $2 | $1001 | $1 |
| Money Market | $5,000 | $10 | $5,0002 | No Fee |
| Pinnacle Savings | $10,000 | None4 | N/A | No Fee |
1Minimum balance must be maintained throughout the statement period to avoid a monthly service fee. For customers 18 years and younger or 65 years and older there is no monthly service charge.
2Minimum balance must be maintained throughout the statement period to avoid a monthly service fee.
3Other banks may charge for use of their ATM.
4Ownership of a Pinnacle Checking account is required to open a Pinnacle Savings account. Refer to the Pinnacle Checking account requirements for applicable fees.
Review our current Miscellaneous Fee Schedule
Review our current Rates
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
Crystal P., Realtor and Mom, Watertown
WSB Customers since 2006
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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