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Debit Cards

Using your WSB Debit Mastercard® is safer than cash, plus you'll have zero liability for any unauthorized purchases, which means greater peace of mind. Benefits1 also include:

  • Extended Warranty Insurance
  • Price Protection
  • MasterCard Global Service
  • Satisfaction Guarantee

There is no monthly or annual fee to use a WSB Debit Mastercard®

Watertown Savings Bank is part of the SUM surcharge-free program which gives you access to thousands of surcharge-free ATMs throughout the eastern U.S.  Visit to find an SUM ATM machine near you.  Smartphone users can upload a free SUM app to find a surcharge-free machine.

Take Control of your Debit Card with CardValet™!

CardValet gives you the power to control when, where, and how your debit card can be used. Protect yourself against fraud and overspending. Enjoy these key features of CardValet:

Turn your debit card ‘on’ and ‘off’. If you may have misplaced your card or forgotten it, you can just turn it ‘off’ until you find it and then turn it back ‘on’!

Get instant transaction alerts. Protect yourself against fraud by being notified in real time of transactions going through your debit card.

Control transactions based on location, amount, or merchant type. Enjoy this feature if you want to set spending limits on your kids’ purchases or manage your own budget.

Get peace of mind knowing you can control all your debit cards from your phone.

Download the CardValet app on the App Store and Google Play.

CardValet is a trademark of Fiserv, Inc. or its affiliates. Smart phone requirements, text messaging fee, and carrier charges may apply. Google Play and the Google Play logo are trademarks of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.


Save with our NEW Mastercard™ Rewards Program!

Tired of hunting through deal sites to find ones you can use? Introducing money-saving deals tailored just for you! The Mastercard Rewards program offers you tailored deals that you can really use.

Here's how it works:

  1. We email you with offers tailored for you. How often you receive offers depends on your WSB debit card spending. The more you use your card, the more offers you will see.
  1. Click to activate the merchant offer or offers you want to use.
  1. Shop at that merchant using your WSB debit card before the offer expires. Be sure to use the "credit" option rather than the "debit" option.
  1. Two to four days later, your savings will be deposited to your WSB Checking account.

Add WSB Debit Mastercard to your Digital Wallet! 

Smart phone users can now shop with the convenience and security of digital wallet, instead of their cards.  Digital wallets transmit payments securely.  You don’t have to show your card or card number.  To pay, just hold your smart phone near the contactless reader.  The phone will let you know your payment was successfully. Tap and pay is that fast, that easy! 

HTML5 CODE Mobile Wallet

To get started add your WSB Debit Mastercard to your phone’s digital wallet app.  iPhone users use the Apple Pay system by tapping the “Passbook” or “Wallet” icon on your iPhone 6 or 7, iPad Air 2, or iPad mini 3.  Then follow the instructions to “add a card”.  Samsung Pay and Android Pay are also available.

Once your card or cards are uploaded and verified they become part of your "digital wallet" that will allow you to pay for your purchases with just one touch.  Use it at any of the rapidly growing list of merchants where digital wallet, near-field transactions are accepted.  Stop fumbling with cards.  Start using your digital wallet!  Upload your WSB Debit Mastercard today!


Whether you're a time-starved mom or just an individual that's always on the go, MasterPass makes your life easier, so you have more time to do the things that really matter. Masterpass is a free service that makes online shopping safe and easy. 



Secure Online Shopping

Mastercard’s SecureCode provides additional protection to keep online transactions private. This private code helps ensure that only you can make online purchases with your WSB Debit Mastercard® or WSB World Debit Mastercard®. It's safe, easy and free. And it's supported by more than 350,000 participating merchants — just look for the SecureCode logo at checkout when you shop online.

3 easy steps to protecting your security when shopping on the web:

  • Step 1 - Sign Up for Mastercard® SecureCode®
  • Step 2 - Use Your SecureCode at checkout
    Every time you pay online at participating retailers, you will be automatically prompted to enter your own private SecureCode - just like entering a PIN at the ATM. In seconds, you gain added protection while shopping online.
  • Step 3 - Shop Smarter
    Look for the Mastercard SecureCode logo when shopping at participating online retailers.


For further information about debit cards call our Customer Support line at 617-928-9000 during regular business hours.

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