Self Help

Numbers You May Need

Need to contact a certain department or obtain our routing number?  Refer to the list of useful numbers below.

Routing & Transit No: 2213-7135-6

Telephone Banking: 315-788-7200

Lost or Stolen ATM or Debit Card: 1-888-297-3416

Select/Reset Your Debit Card PIN: 1-888-891-2435

ATM or Debit Card Activation: 1-844-397-8518

Useful Items

Your time is precious.  That's why we've provided some frequently needed items below to save you the phone call.
Locate the branch office nearest you and our hours of operation.
Go straight to the Deluxe website to order your personal checks.
Or visit the Deluxe Business site to order checks for your business.
Moving?  Let us know where by using our Change of Address Form.
You can print and fill in the PDF form above to mail in or drop off or simply complete and submit the form online by logging in to your Online Banking and clicking the "Options" tab at the top of the page.  Then scroll down to the section "Modify Home Address", supply the information and click Submit at the bottom of the page.
Need to wire money within the U.S.?  Use the Domestic Wire Transfer Form.
Other Wire Transfer Forms:
Will You Be Traveling?  Complete our Travel Notification Form(Opens in a new Window) to avoid issues while using your debit card in certain locations.
Looking for a form, application or document?  Visit our Forms Library.  Everything you should need in one convenient location.

Mortgage / Home Equity

Apply online, check our rates or use our handy calculator to estimate your monthly payment.
View today's mortgage rates.
Ready to apply for your mortgage?  APPLY FOR A MORTGAGE
Explore even more options on our Mortgage Loans page where you can check rates, prequalify, estimate your monthly payments and more.

Whether you're looking for a Home Equity Loan or Line of Credit, we have you covered.  Visit our Home Equity page to check rates and determine which type of loan works best for you.
Use our handy mortgage calculator to estimate your monthly mortgage payment.

Online & Mobile Banking

Enjoy the convenience of doing your banking anytime, anywhere by taking advantage of our Online and Mobile services.
Online Banking gives you on-the-go convenience and control over all of your accounts.  Easy access to balances and transaction histories; search and view deposited checks; transfer funds; make payments and more.  Enroll in Online Banking now!
Online Banking gives your business the ultimate convenience of banking on-the-go.  Easy access to balances and transaction histories; search and view deposited checks; transfer funds; make payments and more.  Enroll your business in Online Banking!
What is Mobile Banking Deposits?

Mobile Banking Deposits allows you to deposit checks using the camera on your mobile phone or tablet. Using the Watertown Savings Bank Mobile App for the iPhone or Android, you will login to your Mobile Banking, click “MORE” on the bottom right, and then click “DEPOSITS”. You will select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check.


How do I apply for Mobile Banking Deposits?

Consumer Customer - All existing Online Banking Consumer Customers will have this service available to them. If you are not an Online Banking Customer and would like to apply, you may visit any one of our Branch Offices or enroll online. Business Customers – All Business Customers must visit one of our Branch Offices to apply for the Mobile Banking Deposit Service.


How do I access Mobile Banking Deposits?

When logged into mobile banking, click “MORE” on the bottom right, and then click “DEPOSITS” for the Apple App. The Android app will have it at the bottom of the main screen.


How many deposits can I make in a day and how much can I deposit?

Consumer Customers – Your daily deposit limit is $2,500.00 and up to 10 items per day. Monthly deposit limit is $10,000.00 and up to 20 items per month.

Business Customers must visit one of our Branch Offices to apply for the Mobile Banking Deposit Service. The limits are as follows:

Plan 1: Free – Daily deposit limit is $2,500.00 and up to 10 items per day. Monthly deposit limit is $10,000.00 and up to 25 items per month. 

Plan 2: $25.00 – Daily deposit limit is $4,000.00 and up to 10 items per day. Monthly Deposit limit is $10,000.00 and up to 50 items per month.
Plan 3: $37.50 – Daily deposit limit is $6,000.00 and up to 15 items per day. Monthly Deposit limit is $15,000.00 and up to 75 items per month.
Plan 4: $50.00 – Daily deposit limit is $8,000.00 and up to 20 items per day. Monthly Deposit limit is $20,000.00 and up to 100 items per month.  


Can I increase the amount that I am allowed to deposit in a day/month?

Yes, please visit any one of our Branch Offices to apply for an increase in your daily/monthly limit. Once your application has been reviewed we will contact you and inform you if your limit increase has been approved.

How long do I need to keep the original check for?

You must securely store the original Check for 14 days after your deposit and make the original Check accessible to us at our request. Promptly after the 14 day retention period expires, you must destroy the original Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction.

How do I endorse the check?

Each check should be endorsed as follows “For Mobile Deposit Only, Watertown Savings Bank account # ____________, and the Payees Signature(s)”. Endorsements must be made on the back of the share draft or check within 1 ½ inches from the top edge. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees. For a check payable to you or your joint owner, either of you can endorse the check. Please Note: If the check is payable to you and any non-joint owner, you may not deposit the check into your Bank account using this service.


When will the deposit be made to my account?

Accepted Mobile Deposits will be reflected in accounts at approximately 8:30 am, 12:30 pm and 4:30 pm on business days. Based on the time of your deposit, it will be made available to you in the next sequential time frame listed above. Deposits made on non-business days will be available on the next business day at approximately 8:30 am.  For more information, see Availability of Funds section of Mobile Deposit Terms and Condiions.

Can I deposit a check drawn off from a Foreign Financial Institution?

Checks drawn off from a Foreign Financial Institution with a Foreign Routing Number will not be accepted for deposit. These checks must be deposited at one of our Branch Offices.


What if I make a mistake when making my deposit?

If you make a mistake entering the amount of the deposit, you will receive an email informing you of the adjustment. If you do not receive an email and your account is credited for the incorrect amount, please contact us at 315-788-7100 or write us at 111 Clinton St., Watertown, NY 13601, immediately. We reserve the right to reject any item transmitted through this service, at our discretion, without liability to you. Any items rejected may not be re-deposited through Mobile Banking, you may present the item to one of our Branch Offices for review and deposit.


What accounts can I deposit into?

We have selected certain accounts to be available to deposit into. If these are not the correct accounts or you would like additional accounts added please visit any Branch Office.


Do I need to use a deposit slip to make a deposit through Mobile Deposit?

No, we will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.


Can I deposit my check into more than one account?

No, you can only deposit your check into one account. The next business day you can log into your Mobile Banking and transfer funds.


Will I receive a text message that my deposit was made?

When you complete a deposit from your mobile device you will receive a text Message as a confirmation (If you opted into the text messaging service when you set up your Mobile Banking).


How do I get set up to receive text message alerts?

You must log into your Online Banking, click the OPTIONS tab, click the MOBILE SETTINGS tab and enter the appropriate information.

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?

For the best user experience, we recommend using the most up to date versions of the following compatible browsers:

  • Microsoft Edge
  • Google Chrome
  • Safari