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Additional Account Services

Whatever your financial needs, we offer the products and services to help you reach your goals. For more information about our additional account services contact us at any of our locations and we’ll be happy to help you.

ONLINE BANKING SERVICES
Online Banking & Bill Pay Learn More Enroll Now

Enjoy the convenience of doing your banking and paying your bills from anywhere, anytime. No more waiting in line at the bank or writing out numerous checks. It's safe, secure and convenient with 24/7 access.  Best of all...it's FREE.

Mobile Banking Learn More  

With Mobile Banking, you can enjoy all the conveniences of our Online Banking like checking your balance and account history, transferring funds and paying your bills. But you also can sign up to receive low balance alerts and actually deposit checks into your account using only your mobile device. Our mobile app is available in both the Apple and Android markets. Simply download the apps and log on with your existing Online Banking User ID and Password. Mobile Banking – We Go Where You Go !

E-Statements Learn More  

Help save the environment and cut down on paper clutter. Start receiving your monthly bank statements online with E-Statements.  E-Statements are only available to our Online Banking customers.  If you haven't enrolled in our Online Banking service, please click here.  If you've been enjoying our Online Banking service, but still haven't enrolled in E-Statements, click here to view our enrollment demo or click here to view or E-Statements Disclosure.  Of course, you can always come into any of our office locations and ask us how you can sign up for E-Statements. It's safe, convenient and best of all...it's FREE.

ACH Origination (Business Customers Only) Learn More  

With ACH Origination, business customers can create direct deposit files for their employees as well as pre-authorized payment files for their consumers in a simple, secure manner. For more information please contact Jaime Hall at 315-222-7296.

Positive Pay (Business Customers Only) Learn More  

Positive Pay is an automated fraud detection tool for businesses that matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company. All three components of the check must match exactly in order to clear. For more information please contact Jaime Hall at 315-222-7296.

Bank to Bank Transfer Learn More  

Bank to Bank Transfer gives you the convenience and flexibility to transfer funds between your accounts at other financial institutions and your eligible Watertown Savings Bank accounts through our Online Banking service.

MOBILE BANKING SERVICES
TRADITIONAL BANKING SERVICES
Direct Deposit Learn More Enroll Now
No More waiting in line at the bank. Have your check deposited straight into you account. Save some paper and save yourself some time.  We have several Direct Deposit forms to choose from in our Forms Library.
 
Sweep Services Learn More Enroll Now
With Sweep Protection from Watertown Savings Bank, you can avoid costly overdraft fees by having the exact funds you may be lacking in your checking account automatically “swept” from another account.
24/7 Telephone Banking Learn More  
Check your balance, transfer funds or make payments, 24 hours a day, 7 days a week by calling the Watertown Savings Bank Account Acce$$ Line at 788-7200 or 1-800-870-8510.
Safe Deposit Boxes Learn More  

Our Safe Deposit Boxes offer a place for you to protect your valuables, papers and keepsakes from fire and theft.  We have a variety of sizes available to meet your needs.

Safe Deposit Boxes are available at our ChaumontAlexandria BayCommerce ParkAdams,State St. and Main office locations.  The contents of your Safe Deposit Box may not be fully protected against loss under the insurance coverage maintained by the Bank or Safe Deposit Box Company.  For your own protection, you may wish to secure your own insurance through an insurance company of your choice.  

PLEASE NOTE: Safe Deposit Boxes are not FDIC insured.  You may wish to secure your own insurance through an insurance company of your choice. 

Bank Drafts Learn More  
A Check drawn on the Bank's own funds used for larger purchases, payments or transferring of funds to another bank.
Money Orders Learn More  
A Money Order is a kind of check that you buy from a bank for a prepaid dollar amount that can easily be cashed or safely sent through the mail for purchases.
Wire Transfers Learn More  
For your convenience, we offer domestic, Canadian and international wire transfer services as well as municipal wire transactions.  You must be a Watertown Savings Bank customer in order to conduct a wire transfer.
Notary Services Learn More  
A notary acts as an official, unbiased witness to the identity and signature of someone signing or acknowledging his or her signature on a legal document.
Traveler's Checks Learn More  
Travelers checks allow you to travel overseas and carry as much money as you need to cover expenses on your trip. You’ll have peace of mind knowing that should they go missing or get stolen, you can receive replacement checks, so you won’t lose any money … or any time enjoying your trip.
ATM & DEBIT CARD SERVICES
To report a lost or stolen Debit or ATM Card please call 1-866-546-8273
     
Debit Cards Learn More Enroll Now

The Watertown Savings Bank Visa Debit Card gives you all the convenience and safety of making purchases right from your checking account. Plus, each transaction you make will be listed on your monthly checking account statement.

Please Note: You must have a Watertown Savings Bank Checking Account in order to obtain a Debit Card.  To order or replace a standard Watertown Savings Bank debit card, simply stop by any of our offices and supply us with some basic information.

Debit-by-Design Debit Card Learn More Design Now

Debit-by-Design allows you to turn your favorite photo into your own unique debit card. Simply upload your image and turn it into your one of a kind debit card. It’s fast, fun and only $7.00. Click here for more details.

Design Your Card Now

Debit-by-Design TV ad

School Spirit Debit Card Learn More Select Now

Show your school spirit by selecting a School Spirit debit card and feel proud in knowing that you just helped support your school. We’ll give your school $10.00 for each School Spirit card chosen on each new account opened and $5.00 for each School Spirit card selected on existing accounts.

Click here to select from our School Spirit Cards

School Spirit TV ad

ATM Cards Learn More Enroll Now
Carry money the smart way.  With a Watertown Savings Bank ATM Card you can withdraw cash, transfer funds between accounts and check your account balances. Just look for the trusted STAR, NYCE, or Cirrus signs. There are over 250,000 Network ATM’s worldwide and you can use the Personal Identification Number (PIN) of your choice.
VISA® Gift Cards Learn More  
The Perfect Gift for Every Occasion!  With a Gift Card, you can give them exactly what they want: The flexibility to choose their own gift. Your family and friends can use the card to make purchases online, by phone, or in person... at any of the more than 19 million merchants that accept Visa debit cards.  Stop by any of our office locations and get your shopping done today.
     

 

BANK FEES & SERVICE CHARGES

All bank fees and service charges subject to change without notice.

Automated Teller Machine (ATM) Transaction Charges

Fees for transactions processed at any non-proprietary Automated Teller Machine (ATM) not owned by Watertown Savings Bank.

Withdrawal $1.00
Funds Transfer $0.50
Balance Inquiry $0.50
**No fee will be charged for POS (Point Of Sale) transactions**

Bank Items

Money Orders (Issued to Active Account Customers Only) $0.75
**Official Checks (Customers) no charge for active account depositors**
**Official Checks available to Customers only**
Replacement ATM/Debit Card $7.00
VISA Gift Card $3.95
American Express Traveler's Checks $1.00 per $100.00

Demand Account (Checking) Charges

Deposited Item Returned Unpaid Insufficient Funds $10.00
Non-Sufficient Funds - Maximum 6 fees per business day  
     NSF Returned Items (Checks, ACH, EFT, ATM) per item $30.00
     NSF Paid Items (Checks, ACH, EFT, ATM) per item $30.00
Bounce Protection Items (Checks, ACH, EFT, ATM) per item $30.00
Inactivity Fee monthly fee (assessed after 12-months of no account activity) $5.00
Stop Payment Order $20.00
Furnishing Special Statements $5.00
Issuing New Account Due to Loss or Theft $5.00
Check Image CD (DIGICHECK) $15.00
Over The Counter Checks: First Page FREE, Additional Pages $2.00
each
Account Research and Reproduction of Checks, Statements and Duplicate Copies of Documents Requested (per hour charge) $10.00
Sweep Services  
     Balance Protection (Savings to Checking) per incident $3.00
     Balance Maintenance (Commercial Checking) monthly fee $50.00

Account Acce$$ Online Banking Bill Payment 

Online Banking and Online Bill Pay Services FREE
Unlimited Bill Payment Service per Month FREE
Bank to Bank Incoming Transfer FREE
Bank to Bank Outgoing Transfer $3.00

Legal Document Processing Fee

Processing fee for legal documents such as a Subpoena, Levy, or Restraining Notice against your account. $100.00

Safe Deposit Boxes

Safe Deposit Boxes are available at our ChaumontAlexandria BayCommerce ParkAdams,State St. and Main office locations.  The contents of your Safe Deposit Box may not be fully protected against loss under the insurance coverage maintained by the Bank or Safe Deposit Box Company.  For your own protection, you may wish to secure your own insurance through an insurance company of your choice.  

PLEASE NOTE: Safe Deposit Boxes are not FDIC insured.  You may wish to secure your own insurance through an insurance company of your choice. 

Height
(in inches)
Width
(in inches)
Depth
(in inches)
Annual Fee
1 3/4 4 1/2 22 $15.00
2 1/2 4 1/2 22 $20.00
4 1/2 4 1/2 22 $30.00
5 5 22 $35.00
3 10 22 $45.00
4 10 22 $55.00
5 10 22 $65.00
7 10 22 $75.00
10 10 22 $85.00

ACH Origination Charges

ACH File Initiated - per batch fee $2.50
ACH File Initiated - per item fee $0.18
First Four Tokens No Charge
Additional Tokens / Replacement Tokens $20.00 Each


Check Safekeeping Service

If you participate in our Check Safekeeping Service, the following Fees may apply:

**You may request up to 12 check copies (images) per year at no charge**
Per check charge after the allowable 12 per year $1.00
**If you DO NOT USE our check Safekeeping Service, the following fee(s) may apply:**
Per check charge for copies of checks requested $5.00

Canadian Check

Canadian Check Cashing Fee No Charge
Purchase Canadian Check $25.00
Canadian Check Stop Payment $30.00

Coin Processing - Commercial Customers

The first $500.00 in loose coin will be processed and deposited at no-charge.
A charge of 1% will be imposed for the total amount processed over $500.00.

Collections, Transfers, & Account Closings

Incoming Collections from Other Banks (per item) $10.00
Outgoing Domestic Wire Transfer (Account Customers Only) $20.00
Outgoing International Wire Transfer (Account Customers Only) $30.00
Premature Closing Fee (Accounts Opened Less Than 180 Days) $10.00

Dormant Accounts

Dormant account holders will be charged the proportionate cost of publishing any notice that account funds will be turned over to New York State as abandoned property

Returned Mail

 Mail Returned (If no change of address is provided)  $5.00

The Watertown Savings Bank Visa Debit Card gives you all the convenience and safety of making purchases right from your checking account. Plus, each transaction you make will be listed on your monthly checking account statement.

Please Note: You must have a Watertown Savings Bank Checking Account in order to obtain a Debit Card.  To order or replace a standard Watertown Savings Bank debit card, simply stop by any of our offices and supply us with some basic information.