Personal Checking

At Winchester Savings Bank, we pride ourselves on making a connection with our customers in the community. This means taking the time to understand your needs, working with you to meet your goals, and providing services that give you more for your money. It also means showing appreciation beyond a simple "thank you".

Current Rates

If you're 18 or older, you can open an account online by clicking on "Open Now" beneath your choice on the Personal Checking Options tab below. If you're under 18, please visit any branch with a parent or guardian


Personal Checking Options

Personal Checking Accounts

 Completely FreeEasy Interest50+ AdvantagePremier Interest

Open Now

Open Now

Open Now

Open Now

Minimum Deposit to Open $10 $10 $10 $10
Monthly Maintenance Service Charge None None None $10
Minimum Balance Needed to Avoid Monthly Maintenance Service Charges N/A N/A N/A $1,500
Earns Interest   Checkmark Checkmark Checkmark
ATM Surcharges
from other banks1
Reimburse up to $10 per statement cycle
(requires eStatements)1 
Reimburse up to $10 per statement cycle
(requires eStatements)1 
Reimburse up to $10 per statement cycle
(requires eStatements)1 
Reimburse up to $10 per statement cycle
(requires eStatements)1 
Every new personal checking account includes:
• FREE welcome pack of checks • FREE Visa® Debit Card • FREE Online Banking • FREE Bill Pay • FREE Mobile Banking with Mobile Deposit • FREE eStatements • Access to thousands of surcharge-free ATMs as part of the SUM® and MoneyPass® Networks • FREE Thank You Gift • FREE gifts for referring others • Buy Back of your debit cards and unused checks from another financial institution up to $10

1Surcharges are charged by other banks when you use your WSB ATM/Debit Card at their ATMs. Transactions at ATMs that are part of the SUM and/or MoneyPass networks do not incur surcharges. Look for the SUM and MoneyPass logos on any non-WSB ATMs you use. Visit their respective websites for ATM locations.

Other fees such as non-sufficient funds, overdraft fees, etc. may apply. For more information, please refer to our Schedule of Service Charges, the Understanding Your Deposit Account disclosure, and the current rate sheet. Minimum opening deposit is only $10. Bank rules and regulations apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.

Spend & Save

Spend & Save

Winchester Savings Bank's "Spend & Save" program allows you to round up every debit card purchase* to the nearest dollar and have the difference transferred from your checking account to your WSB savings account.

How it works

  • Use your WSB debit card for any in-person or online purchase.
  • Your total purchase amount will be rounded up to the nearest dollar.
  • The rounded up amount will be automatically transferred daily from your checking account to your WSB savings account.
  • You’ll see itemized “Spend & Save” amounts on your monthly statements.

How to get started

  • Call us at (781) 729-2130 to sign up, or pick up a form at your nearest branch. You can also click here to download a PDF.
  • Fill out the form and drop it off at your nearest branch.
  • For help or more information, please call or stop by any location.

Start saving easily and automatically - sign up for "Spend & Save" today!

*Not available for business debit cards.

Overdraft Services

Overdraft Services

We understand there are times your Checking Account may accidentally be overdrawn, and that is why we provide a Discretionary Overdraft Privilege service. Other options for you to consider may save you money and include:

Automatic Account Overdraft Protection

  • Automatically moves money from your Savings to Checking to pay for overdrafts, as long as funds are available.

Overdraft Protection Line of Credit

  • We may cover overdrafts in your checking account up to your available Overdraft Protection Line of Credit limit. Interest is charged only on the amounts you borrow.
  • Exact amount of the overdraft is transferred from the Overdraft Protection Line of Credit rather than a larger minimum amount.
  • Subject to credit approval.

Additional Information about Overdraft Services

For details on any of our overdraft protection options, please call us at (781) 729-2130.

Switch Kit

Switch to Winchester Savings Bank

We would love to have you as a Winchester Savings Bank customer! Switching to us is easy!

Thank you for considering Winchester Savings Bank for your banking needs. You’ll be glad you made the switch to friendly personal service by bankers who know you. We know changing banks can be a challenge, so that’s why we have designed this Switch Kit for you. Follow these easy steps, and please ask us for help along the way!

  1. Open your new Winchester Savings Bank checking account.
    • Go to any of our local branches to learn about your account choices or visit our checking options on our website.
    • Sign up for Internet Banking and Billpay.
    • Order your Visa Check Card and checks.
    • Stop using your old checking account - stop writing checks, using your debit card, or initiating automatic payments as soon as possible. Bring your debit card and unused checks to us for reimbursement up to $10!
  2. Switch your Direct Deposit(s) to your new Winchester Savings Bank account.
    • Notify your employer or other sources that deposit funds into your old account of your new checking account number as well as the Bank’s routing number 211370888. Complete the Direct Deposit Authorization.
  3. Transfer your automatic payments.
    • Payments such as reoccurring loan payments, insurance payments, health club memberships, utilities, etc. will need to be changed from your old account.
    • Use a copy of your old checking account statement, copies of your latest billing statement with your billing information, and our Automatic Payment Authorization to notify your payees of your new account.
  4. Close your old account.
    • Once all your checks clear, any last automatic payments have been completed, and your direct deposits have been made to your Winchester Savings Bank account.
    • Complete the Authorization to Close Account form and send to your old bank.

When you’re ready to make the change, we’re here to help make it as easy as possible!


Refer Friends and Get Gifts!

If you love WSB, let your friends and family know. On top of introducing them to the most welcoming community bank around, you'll get a free gift, and so will they!

  1. Go to
  2. Complete and personalize the referral form
  3. For each referral who opens a checking account, you'll both get a free gift!

Free gift may be reported on a 1099-INT or 1099-MISC.

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