Online Banking

Woman sitting on couch with laptop doing her banking online.

                          Enroll now in Online Banking

Online Banking

All Your Banking Needs Right At Your Fingertips !

With Online Banking, you have the freedom to do your banking anywhere, anytime.
Manage all your accounts from one central location.  It's free, convenient and

Online Banking Gives You 24/7 Access
  • View Transactions
  • Transfer Funds
  • Check Your Statement
  • View Check Images

What is Online Banking?

Online Banking is a real-time online system that allows our customers a secure and convenient way to access their Watertown Savings Bank accounts via the Internet.


How do I enroll in Online Banking?

You can easily enroll in our Online Banking by clicking here to get started. You can also view our handy demo for step-by-step instructions on everything you'll need to do.


What happens if I forget my Watertown Savings Internet Banking Password?

You are allowed 3 attempts to enter your password. If unsuccessful after the 3rd attempt, you will be locked out of Watertown Savings Internet Banking. Access may be regained by calling Watertown Savings Bank's during regular business hours at 315-788-7100.

Additionally, you can set up self reset with your internet banking account. It allows you to reset your internet banking password anytime. It is located under the options tab under the personal settings heading.

What happens if I forget or lose my ID or Password?

If you lose/forget your ID or Password, you may call us during business hours at 315-788-7100 and with proper verification, your ID and Password will be restored or reset.

How secure is Online Banking?

State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, social security numbers, and tax ID numbers are never displayed on the Online Banking system. However, if you feel your information has been jeopardized in any way, please contact Watertown Savings Bank immediately. It is also important for you to keep your virus and spyware protection software up to date on your personal computer.


What Banking Transactions Can I Perform with Internet Banking?

Internet Banking allows you to manage your accounts and banking transactions more closely and it gives you greater control over balances, bill payments and deposits:


View information about your account balances and transactions. 
Transfer funds between your accounts. 
Pay bills to virtually anyone in the United States.
E-mail Customer Service Representatives for information on products and services. 
Download transactions from Internet Banking into other financial management software such as Microsoft® Money and Quickbooks®


What Do I Need to Start Using Internet Banking from Watertown Savings Bank?

All you need to start banking online is a Watertown Savings Bank account, a computer with Internet access and a browser that supports 128-bit encryption to help keep your online banking private. Unlike some PC Banking programs that require specific software to be loaded, Internet Banking can be accessed at any computer with Internet access; there's no special software needed. Once you sign up, you will be able to access Internet Banking anytime from Watertown Savings Bank's homepage

What happens if I don't log off of the system?

Watertown Savings Bank's Internet Banking has a 10-minute time-out feature. If you are logged in for 10 consecutive minutes without using the program, you will have to log in again to resume banking. Remember, it is critical to log out of each internet banking session by clicking the 'log off' icon located in the upper right corner of your screen. If you only click the 'x' icon you will not be properly logged out and others may have access to your account(s).

How much does Watertown Savings Bank's Internet Banking cost?

Watertown Savings Bank's Internet Banking is FREE to all Watertown Savings Bank account customers.

Is It Safe to Enter My Password Online as Part of the Signup and Registration Process?

Thanks to the sophistication of 128-bit encryption, sending and receiving information through Online Banking is more reliable with this level of support. Encryption helps keep information private (such as your password or the transactions you perform) between the bank's computer and your internet browser. When you register for Internet Banking, you will be able to check your browser through our Browser Check to insure it supports 128-bit encryption. If it does not, we will supply a link to another website for you to quickly download this level of encryption.

When viewing my current transactions, why do I see electronic transactions and Watertown Savings Online Banking transfers duplicated?

You may see the electronic transactions, which include Watertown Savings Internet Banking transfers, twice during our "end of day processing". End of day processing is required for your transactions to be updated. This process begins each banking evening and lasts several hours.

How can I tell when a transfer has posted to my account?

If you approve a funds transfer or loan payment, a "Confirmation Number" will be displayed. You may use this number if you need to refer to the transfer at a later time. The Confirmation Number will also be listed on your monthly account statement. If you make a funds transfer or loan payment using online banking before 5:00 p.m. on a business day that we are open, we will consider that day to be the day of your funds transfer or loan payment. However, if you make a funds transfer or loan payment using our online banking system after 5:00 p.m. or on a day we are not open, we will consider that the funds transfer or loan payment was made on the next business day that we are open.

Can I transfer money from one account to another?

Yes, you can transfer money between your Watertown Savings Bank Checking, Money Market, or Savings accounts. You may also make payments on your Watertown Savings Bank loans from your Checking, Money Market, or Savings accounts.

Can I transfer money between my personal and business accounts?

Funds transfers and loan payments may only be performed between accounts with the same primary taxpayer identification number or social security number.


How do I add an account(s) to an existing online ID?

Login to your Online Banking Account.

From the Main page, click 'Contact'.

In the 'Contact' screen, click 'Add Message'. This will open a secure email message window.  In the subject line, type 'Add Account', and in the main message box, list the account number(s) that you want to add and what you want the account(s) to be titled Online. For example 1234567890-Main Checking. When finished, click 'Submit'. We will review your request, making sure that the information you supplied is correct and that you are authorized to access the account(s). Once verified, the account(s) will be added to your existing Online ID. You will not receive any notification that this change has been made, the additional account(s) will simply be listed the next time you log on. This request will usually be completed within one business day.


What browsers can I use with Internet Banking?

Click here(Opens in a new Window)(Opens in a new Window)(Opens in a new Window) to view compatible browsers.