Personal Savings
Account Access
Choose your account type
Limited Time Offer - Premier Money Market
Effective: January 19, 2026
| Account Type | Minimum to Open | Interest Rate | APY | Minimum to earn APY |
|---|---|---|---|---|
| Premier Money Market* | $25,000 | 1.74 | 1.75 | $300,000+ |
| 1.24 | 1.25 | $100,000+ | ||
| .75 | .75 | $25,000+ | ||
| .05 | .05 | $50+ |
*At least 50% of the opening deposit must be from funds not currently on deposit with Watertown Savings Bank.
Savings Accounts
Enjoy peace of mind with your safe and secure WSB savings. Our easy-to-understand savings products help you save for what matters most to you.
Simple statement savings account
A straightforward option for everyday savers, great for short-term goals or starting out.
No monthly fee by maintaining $100 balance
Manage your account thru WSB Online or the WSB Mobile Banking app
Added security through account alerts in real-time
Contactless WSB debit card
All deposits insured in full with FDIC and DIF
See chart below for more details
Higher rate of interest with easy access and checkwriting
Earn a competitive rate while keeping your funds accessible when you need them.
$5,000 minimum account opening deposit
No monthly fee (when you meet balance requirements)*
Access higher-yielding tiered rate of interest
First order of money market checks free
See chart below for more details
Higher rate of interest with companion Pinnacle Checking
Pair this with your Pinnacle Checking account for tiered interest rates and full WSB banking benefits.
Access competitive tiered rates of interest
No monthly fee (when you meet balance requirements with the Pinnacle Checking account)*
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
Understanding how increasing your savings can shape your financial future is easier with our Impact of Saving More Calculator. Whether you’re planning for retirement, a major purchase, or building an emergency fund, this calculator provides a clear, motivating view of how saving more today can lead to greater financial security and long-term goals tomorrow.
Features
We invite you to join Club 50! It is more than a travel program; it is community where friendships flourish.
Savings Accounts Comparison Chart
Choose an Account That’s Right for You
| Account Type | Minimum to Open | Monthly Fee | Balance to Waive Fee | Foreign ATM Fee1 | Interest Rate |
|---|---|---|---|---|---|
| Access Savings | $10 | $2 | $1002 | No Fee | .05 |
| Money Market | $5,000 | $10 | $5,0003 | No Fee | Variable |
| Pinnacle Savings | $10,000 | None4 | N/A | No Fee | Variable |
1Other banks may charge for use of their ATM.
2Minimum balance must be maintained throughout the statement period to avoid a monthly service fee. For customers 18 years and younger or 65 years and older there is no monthly service charge.
3Minimum balance must be maintained throughout the statement period to avoid a monthly service fee.
4Ownership of a Pinnacle Checking account is required to open a Pinnacle Savings account. Refer to the Pinnacle Checking account requirements for applicable fees.
Review our current Miscellaneous Fee Schedule
Review our current Rates
In Their Own Words
We're thankful to our customers for sharing why they've chosen WSB.
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.
We don’t travel, unless it’s with Club 50! We have been to so many places with friends through the Club 50 program that we wouldn’t have gone to on our own. Club 50 is more than a travel club, it’s a social community. We’re so lucky to be Watertown Savings Bank customers and are so grateful the Bank offers the Club 50 program!
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
Tools and advice to reach your savings goals faster.
Protect your personal information and financial accounts by understanding the definition of identity theft
Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams.
Stay on top of your WSB accounts by setting up alerts--from security to balance to transaction, transfers, and more. Get notifications to any device you select in real-time and help catch fraudulent activities on your account.
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