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Checking Accounts

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. View the Comparison Chart below to see how each differs.

Apply online for a checking account now!

All Watertown Savings' checking accounts include:

  • Unlimited, unrestricted ATM use, with access to thousands of surcharge-free ATMs through the SUMTM program.
  • No-fee WSB Debit Mastercard
  • Unlimited check writing.
  • First order of standard checks free (Senior & Pinnacle Accounts standard checks are always free).
  • Free and easy Internet banking and online bill payment.
  • Free Mobile Banking3
  • Safe deposit box rental discount with auto-payment.

Optional - Enjoy the peace of mind of overdraft protection when you assign a companion account in our Transfer Overdraft Protection program.

Switching from another bank to WSBCLICK HERE for a guide on how to make the process a little easier, and learn about our SPECIAL OFFER!

Checking Account Comparison Chart

Minimum to open ATM Fees1 Interest rate-see rate sheet Transfer Overdraft Protection Monthly Service Charge Balance to waive Service Charge
Free Checking $10 Free NA $10 each NA NA
Plus Checking $10 Free Variable $10 each $5 $100 or Direct Deposit
Free Senior Checking $10 Free Variable No Charge NA NA

Pinnacle Account

$10 Free Variable First one free, then $10/each $15 $10,000 combined2


CLICK HERE for our Miscellaneous Fee Schedule.

1Other banks may impose a fee.
2 Combined balance of deposit accounts at WSB for the statement period.
3 Your phone service provider may impose fees.


Free Checking is available for personal, estate and trust accounts only.
Senior and Pinnacle Checking accounts are available for personal accounts only.

Member FDIC | Member DIF | Equal Housing Lender

©2014 Watertown Savings Bank. All Rights Reserved. | Headquarters: 60 Main Street, Watertown, MA 02472 | tel: 800.207.2525