- Self Help
Numbers You May Need
Routing & Transit No: 2213-7135-6
Telephone Banking: 315-788-7200
ATM or Debit Card Activation: 1-844-397-8518
Lost or Stolen ATM or Debit Card: 1-888-297-3416
Select/Reset Your Debit Card PIN: 1-888-891-2435
Hours of Operation & Holiday Schedule
Click on the products below to see our rates:
View our Auto Loan rates: AUTO RATES
View our HELOC Rates HELOC RATES
View our HELOAN Rates HELOAN RATES
View our Recreation Rates: REC LOAN RATES
What is Digital Banking?
Digital Banking is a real-time online system giving you a secure and convenient way to access your Watertown Savings Bank accounts on your computer or mobile device.
How do I enroll in Digital Banking?
You can easily enroll in our Digital Banking by clicking here.
What happens if I forget my Digital Banking Password?
You are allowed 3 attempts to enter your password. If unsuccessful after the 3rd attempt, you will be locked out.
You can select the "forgot" link on the login screen to reset your password. You will be given an option to key in your username and email address or you can click the "Try Another Way" link and input your social security number and account number.
What is 2-Step Verification?
2-Step Verification is a form of multifactor authentication that adds an extra layer of security to your digital banking. Each time you sign into your account on an unrecognized device, we require your password and a verification code. This code should never be shared with anyone.
What Banking Transactions Can I Perform with Digital Banking?
Digital 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 deposit accounts.
Transfer funds to make your loan payment.
Pay bills to virtually anyone in the United States.
Message Customer Service Representatives for information on products and services.
Download transactions from Digital Banking into other financial management software such as Quicken and Quickbooks®
Make mobile check deposits using the "My WSB" app.
How do I add an account(s) to an existing online ID?
What happens if I lose my mobile device?
What is Mobile Deposit?
Mobile Deposit allows you to deposit checks using the camera on your mobile phone or tablet. Using the My WSB App.
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 - You will be auto-enrolled in the free plan shown below.
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, you may request an increase by sending a message through the digital banking message center.
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.
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 315-836-8450 or send a message through the digital banking message center, 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 Digital 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 send a message through the digital banking message center.
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.