Personal Checking
Account Access
Choose your account type
Checking Accounts
Convenient, secure, and accessible accounts that fit your lifestyle.
Simple, easy, and free
No monthly fee
WSB Online or via the WSB Mobile Banking app
Real-time account alerts
Contactless WSB debit card
Free first order of basic checks
Free Person-to-Person payments with Zelle
Free Bill Pay
*See chart below for more details
All the benefits of Free Checking plus earn interest
WSB Online and WSB Mobile Banking app
Real-time account alerts
Contactless WSB debit card
Free first order of basic checks
Free Person-to-Person payments with Zelle
Free Bill Pay
*See chart below for more details
Higher tiered interest rate on larger balances
WSB Online and WSB Mobile Banking app
Real-time account alerts
Contactless WSB debit card
Free first order of basic checks
Free Person-to-Person payments with Zelle
Free Bill Pay
*See chart below for more details
Features
Access your WSB accounts on the go with the WSB Mobile Banking app. Whether you're running errands, enjoying a break, or busy with work, know that you can access your WSB accounts anytime, anywhere. Take a look at your recent deposit, make a check deposit using your phone, or get a quick balance update. A lot can be done at your fingertips.
Features
There are many reasons to use your WSB debit Mastercard® for your everyday purchases. Add it to your mobile wallet and manage it on the WSB Mobile Banking app. Also, take advantage of Mastercard's network, global services, and priceless offers and experiences.
Features
Received a check? Deposit it onto your account from the comfort of your home. Just open your WSB Mobile Banking app and tap on 'Deposit'.
Features
Set up alerts through the WSB Mobile Banking app and WSB Online Banking. Choose the notifications that matter most, including Debit Card Alerts.
Checking Account Comparison Chart
Let's Find the Account that Works for You
| Account Type | Monthly Fee | Waive Monthly Fee | Interest Rate |
|---|---|---|---|
| Free Checking | None | N/A | N/A |
| Plus Checking | $5 | Minimum $1001 or Direct Deposit | Variable |
| Pinnacle Checking | $5 | $10,000 Combined2 | Variable |
1Minimum balance must be maintained throughout the statement period to avoid a monthly service fee.
2Combined balance of all WSB related accounts on statement cycle date.
No WSB and SUM ATM Fees
$10 is the minimum required to open an account
Review our current Miscellaneous Fee Schedule
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, Burlington
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.
Crystal, Watertown
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.
Related Resources
Tips, insights, and resources tailored to your banking needs.
Discover the ease and convenience of managing bank accounts, transferring money, and paying bills through WSB Online. We also encourage you to set up alerts to stay up-to-date on account activities you choose notifications for.
Your WSB Debit Card is backed by Mastercard® benefits, can be added to your mobile wallet for quick and easy transactions, and can be managed through the WSB Mobile Banking app.
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