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                       

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

Wondering if we're open on a certain day and time?  Follow the links below for a full listing of locations, hours and holidays.
Locate the branch office nearest you and our hours of operation.

Useful Items

Your time is precious.  That's why we've provided some frequently needed items below to save you the phone call.
Watertown Savings Bank Main Office                                    315-788-7100
Outside Local Calling Area                                                  1-800-870-8510

Accomodation Office                                                  Phone: 315-788-8996
                                                                                               Fax: 315-788-8891 
Adams Office                                                                   Phone: 315-232-4515
                                                                                                       Fax: 315-232-3319
Alexandria Bay Office                                                   Phone: 315-482-2544
                                                                                                      Fax: 315-482-4702
Chaumont Office                                                          Phone: 315-649-5090
                                                                                                       Fax: 315-649-2531
Clayton Office                                                                Phone: 315-686-1280
                                                                                                      Fax: 315-686-1276
Commerce Park Drive Office                                       Phone: 315-788-7152
                                                                                                      Fax: 315-788-5252
Sackets Harbor Office                                                 Phone: 315-646-4628
                                                                                                     Fax: 315-646-2286
State Street Office                                                        Phone: 315-788-3790
                                                                                                      Fax: 315-788-5444
Accounting Department                                             Phone: 315-836-8410
Commercial Loan Department                                 Phone: 315-836-8420
                                                                                                Fax: 315-788-1417 
Consumer Loan Department                                     Phone: 315-836-8440
                                                                                               Fax: 315-779-2292 
Deposit Operations Department                              Phone: 315-836-8450
                                                                                                Fax: 315-779-9026
Mortgage Loan Department                                     Phone: 315-836-8440
                                                                                                Fax: 315-836-8415
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.
Go straight to the Deluxe website to order your personal checks.
Or visit the Deluxe Business site to order checks for your business.
Click here to see our complete listing of Fees & Service Charges.

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.
Use our Financial Calculators to estimate monthly payments, establish a savings plan, and so much more.

Digital Banking

Enjoy the convenience of doing your banking anytime, anywhere by taking advantage of our digital banking services.
Digital 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 Digital Banking now!
Digital 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 Digital Banking!

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?
You can send a message through the digital banking message center and a customer service representative will assist you.
What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your information cannot be stolen.  Log in using a web browser or your new mobile device and edit your security settings.  Select your name in the bottom left corner, settings and security.  Remove the appropriate devices
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.