Free Checking includes all the following, with no monthly service charge:
- Unlimited, unrestricted ATM use1
- Access to thousands of surcharge-free ATMs through the SUMTM program
- Visa Debit card with reward points2
- Unlimited checkwriting
- First order of basic checks
- Internet banking with online bill payment
- Safe deposit box rental discount with auto payment
Plus Checking provides all the features of Free Checking plus:
- Interest on your checking funds (click here for current rates)
Free Senior Checking is available to customers age 65 or older (at least one owner). It provides all the features of Free Checking with no monthly service charge plus:
- Free basic checks
- Interest on your checking funds (click here for current rates)
- Free transfer overdraft protection from an assigned account
Pinnacle Checking has all the features of the Free Checking account plus:
- Premium rate of interest on your checking funds (current rates)
- Free basic checks
- Option to open a Pinnacle Savings account
Surcharge Rebates
There are thousands of surcharge-free ATMs throughout New England available to WSB customers through the SUMTM program. But if you are surcharged, you will be automatically rebated for the first two surcharges each month, if you elect e-statements.
Overdraft Protection
You can assign a companion account to your checking account that can be used to cover any overdrafts with our Transfer Overdraft Protection Service (TOPS).
| Minimum to open | ATM Fees1 | Interest rate-see rate sheet | Transfer Overdraft Protection | Monthly Service Charge | Balance to waive Service Charge | |
|---|---|---|---|---|---|---|
| Free | $10 | Free | NA | $10 each | NA | NA |
| Plus | $10 | Free | Variable | $10 each | $5 | $100 or Direct Deposit |
| Free Senior | $10 | Free | Variable | No Charge | NA | NA |
| Pinnacle | $10 | Free | Variable | First one free, then $10/each | $15 | $10,000 combined3 |
1Other banks may impose a fee.
2Points are earned on non-PIN transactions only.
3Combined balance of deposit accounts at WSB for the statement period.
Free Checking is available for personal, estate and trust accounts only.
Senior and Pinnacle Checking accounts are available for personal accounts only.
