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Buy Now, Lower Your Rate Later — No Refi Required!
At WSB, banking feels personal because it is.
Notice
The Church St Branch drive-up will close at 4pm on Wednesday, July 1st, for an employee event. Thank you for your understanding.
All WSB locations will be closed on Saturday, July 4th, for Independence Day.
Fraud Alert
Fraudsters are contacting customers by phone, text message, and email while falsely claiming to represent WSB. Do not disclose your debit card information, PIN or online banking credentials. Read more.
Banking built on relationships — with people you know and trust.
For 155 years, we’ve been helping our neighbors save, borrow, and plan for what matters most — right here in our community.
As low as 5.990% Rate / 6.004% APR. Buy now, lower your rate later — simple and no refinancing! We don’t sell your loan — so you’ll always deal directly with WSB. Our decisions are made quickly and locally by people who know you.
Manage your money with straightforward accounts, all the tools you need, and friendly local service from people who know you.
Every dollar saved is fully insured, and our simple savings options help you reach your goals with total peace of mind.
Our financial advisor helps you plan, invest, and stay on track with personalized strategies built around your goals.
Club 50 connects our customers through special events, travel experiences, and exclusive WSB benefits designed just for you.
Build your business with financing from WSB — where lending decisions are made here, and relationships always come first.
WSB Spotlight Series
Operation American Soldier
Watertown Savings Bank is casting a spotlight on Operation American Soldier, the local nonprofit organization based in Watertown, MA. As we celebrate the spirit of America 250, we're proud to support volunteering efforts and local nonprofits.
Operation American Soldier is a dedicated nonprofit committed to supporting deployed U.S. troops by sending personalized care packages and heartfelt messages of gratitude. Founded on the belief that no soldier should ever feel forgotten, OAS works with volunteers, families, and community partners to uplift the morale of those serving far from home. Through their hands-on efforts, OAS aims to remind every service member that they are appreciated, supported, and never alone.
In Their Own Words
We're thankful to our customers for sharing why they've chosen WSB.
Shannon, Waltham
We are lifelong customers of Watertown Savings Bank. It was only natural that our kids’ first savings accounts would be at WSB. They have grown up depositing their savings at their local branch and now manage their accounts online. Watertown Savings Bank has been a great example for them of a local organization doing right by the customer and being committed to the community
Bob, Watertown
I’m a longtime customer of Watertown Savings Bank. It’s hard to find a place that offers such personalized customer service. They greet me at the door. They know my first name. They know about my family and I know about theirs. I can always count on Antonia and the staff to assist me when needed. WSB is a special place.
Pete and Krysta, Watertown
As a young family from the area, it’s heartwarming to see how involved Watertown Savings Bank is in the community. It sponsors many family and neighborhood events, it supports local schools and nonprofits in art, education, and more. We’re proud to be Watertown Savings Bank customers.
Kathy, Waltham
Watertown Savings Bank is one of the very few local, community banks in the area. That’s a special distinction and I’m proud to be a longtime customer and Club 50 member. The staff is always friendly and approachable, and I always feel well taken care of. I also appreciate the Bank’s involvement in the community through sponsorship and volunteering.
Banking Toolkit
Explore WSB's featured services and tools to empower your financial decisions.
Enjoy banking convenience at your fingertips! Take advantage of exclusive mobile features and access key benefits of WSB Online on the go. From turning your card 'on' or 'off', to saving time with Mobile Check Deposits, to paying your bills by snapping a picture of them.
Our Exclusive Loan Offer is designed to give buyers the freedom to move forward with confidence! Close with today's rates and take advantage of a lower rate in the future. No refinancing. Hassle-free.
Checkout faster using WSB's contactless debit card, access your card through the WSB Mobile Banking app, get additional security through Mastercard's Enhanced ID Theft Resolution, and more! Learn more about the benefits of having your WSB debit card top of wallet.
Discover the ease and convenience of managing bank accounts, transferring money, and paying bills online through WSB Online. All Watertown Savings Bank customers can securely access WSB Online for real-time account information by registering for WSB Online access and logging into their account on watertownsavings.com.
Money Matters and More
Tips, tools, and local news to keep you informed: from smart money moves to what's happening in the community.
Club 50 is a well established social community that offers exclusive travel experiences and special banking perks.
Remember, Watertown Savings Bank will NEVER ask you for your password, PIN, or account number. If you receive a suspicious call, text, or email claiming to be from Watertown Savings Bank, do not provide any information. Contact us directly at 617-928-9000.
Simply, buy today and easily change the rate at a later time. It's hassle-free and doesn't require any refinancing! And, if you're a first-time homebuyer you can get extra savings.
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Need help? Just ask, we're listening.
Give us a call, message us, or stop by your local branch. Whichever way you reach out, we're always happy to help.
