Modern Convenience & Technology PLUS Personal Service

All of our personal checking and savings accounts include the latest modern conveniences, so you can bank securely anywhere, anytime.

Personal Banking Features

Online Banking

Access your account information securely online 24/7/365 anywhere you have an internet connection by visiting our website, www.watchhillbank.com.

With Online Banking, you can:

  • View account balances and transaction details
  • Transfer funds between accounts
  • Set up/modify online bill payments
  • Set up email account alerts
  • View images of canceled checks
  • View/print account statements
  • Export transactions to Quicken, QuickBooks or Excel
  • Send us a secure message

Mobile Banking

Access your account information securely from your mobile device or tablet by visiting our website, or by downloading our mobile app for iPhone or Android.

With our mobile app, you can:

  • View account balances and transaction details
  • Transfer funds between accounts
  • Make online bill payments
  • Make deposits using Mobile Check Capture
  • Find an ATM

To download our mobile app, click the buttons below or search for Watch Hill Bank in your device’s app store.

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Personal Checking Accounts

Simply FREE Checking

The name of the account says it all… Our Simply FREE Checking account is a basic checking account with no monthly service fee.

  • Unlimited check writing
  • Unlimited FREE withdrawals at Jeanie® Network ATMs
  • NO monthly service fee
  • FREE Online Banking, Bill Payment and Mobile Banking with Check Capture
  • FREE Mastercard Debit Card*
  • E-statements available
  • $100 minimum balance required to open
* Upon approval.

When all you really need is simple checking, our Simply FREE Checking account is the way to go!

 

To learn more about our personal checking accounts, contact us. To open an account, stop by the bank. We will be happy to help you!

Personal Savings Accounts

Simple Savings

Our Simple Savings account is a great way to save for a rainy day without having to maintain a big balance.

  • Basic interest-bearing savings account
  • NO service fee if balance stays above $100
  • Service fee of $5 per month if balance falls below $100
  • $100 minimum to open

Whether you’re building an emergency fund or saving for a specific goal, our Simple Savings gives you an easy way to keep your savings separate from your spending accounts.

Money Market Savings

Want a great interest rate and the security of a money market account? Our Money Market Savings is for you.

  • Tiered interest rate
  • Check writing capability
  • NO service fee if balance stays above $1,000
  • Service fee of $10 per month if balance falls below $1,000
  • Up to 6 withdrawals per statement cycle
  • $100 minimum to open

Get a better rate on your savings with the peace-of-mind of a money market account, with our Money Market Savings.

 

Youth Savings

Teach your children under the age of 18 the value of saving from an early age with our Youth Savings account.

  • Basic interest-bearing custodial savings account
  • NO monthly service fee
  • Up to 6 online withdrawals per statement cycle
  • $10 minimum to open

Give your children a safe place to save their gifts or summer/ part-time job earnings for college or other future needs with our Youth Savings account.

To learn more about our personal savings accounts, contact us. To open an account, stop by the bank. We will be glad to help you!

Personal Credit Cards

NEW: Introducing the Watch Hill Bank Visa® Platinum Card

Enjoy the flexibility, security and convenience of a credit card while earning reward points you can redeem for merchandise and travel rewards – the more you spend, the more rewards you earn!

Our Visa® Platinum credit card offers great benefits:

  • Competitive rates*
  • Reward points for merchandise and travel
  • Tickets good on any airline with no blackout dates
  • Travel Accident Insurance
  • Personal service from people you know
*See the card application’s Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

If you have any questions, please contact us. We will be happy to assist you!

Other Personal Banking Services

Certificates of Deposit (CDs)

Want to earn a higher interest rate than you would with a savings account?

At Watch Hill Bank, we offer personal Certificates of Deposit in a variety of terms to suit your needs:

  • 182 Days
  • 12 mos
  • 24 mos
  • 36 mos
  • 48 mos
  • 60 mos

Rates vary depending on the term of your certificate and current market rates.

Note: Published rates are subject to change. A minimum deposit of $500 is required.

At the end of your CD term, your funds will automatically be rolled over into a new CD for the same term, or you can cash out or move it into another CD during the 7-day grace period if you wish.

To purchase a CD, please contact us today. We will be happy to help you!


Individual Retirement Accounts (IRAs)

Our Individual Retirement Accounts (IRAs) are a great way to save for retirement. Because they are in the form of a Certificate of Deposit (CD), your principal is always safe and your interest rate is guaranteed for the term you select!

When your CD matures, it will automatically roll over into another CD of the same term, or you can roll it over into another CD or qualified retirement account during the 7-day grace period if you wish.*

We offer 3 types of IRAs, available in any CD term EXCEPT 182 days:

Traditional IRA

  • Save pre-tax dollars for retirement until you reach retirement age.*
  • Funds from other qualified retirement accounts may be able to be rolled over into one of our Traditional IRAs without penalty.*

Roth IRA

  • Save funds you have already paid taxes on for retirement and defer taxes until you reach retirement age.*
  • Funds from a Roth IRA may be able to be rolled over into one of our Roth IRAs without penalty.*

Educational IRA

  • Save for your children’s education and defer taxes until redemption.*
  • Funds from a qualified educational savings plan may be able to be rolled over into one of our Educational IRAs without penalty.*
* Tax deferment is subject to IRS regulations. Penalties/fees for rolling over funds from your existing accounts may apply. Please check your existing retirement or educational savings plan details to find out whether penalties or fees would apply to you.

Rates vary depending on the term of your certificate and current market rates.
Note: Published rates are subject to change. A minimum deposit of $500 is required.

To learn more about which IRA is best for your situation or to set one up, please contact us. We will be happy to help you!

LegalShieldSM Identity Theft Protection

wh-lsIdentity theft is a serious problem that costs millions each year in fraudulent transactions and can seriously damage your credit and your financial reputation. Once identity theft occurs, it can take years to fully reclaim your identity and set the record straight, and it is a very labor- and time-intensive process.

To protect our customers from dangers of identity theft, we offer two levels of LegalShieldSM Identity Theft services:

  • Standard (Identity Recovery) Service – provides dedicated recovery assistance to correct your records and clear your name if your identity is stolen.
  • Premium (Identity Protection and Recovery) Service – offers both dedicated recovery assistance and preventative credit monitoring protection, so you are immediately alerted to any credit activity and can take appropriate action to stop identity thieves before they can do any serious damage.

Don’t leave yourself open to identity thieves. For the peace-of-mind that comes with knowing you have a partner in the fight against identity theft, and that your credit is constantly being monitored for any unauthorized activity so you can minimize the damage caused by identity theft, sign up for LegalShieldSM today. To learn more about LegalShieldSM or to sign up, contact us.

Learn more about how to reduce your risk of identity theft.

Miscellaneous Customer Services

Bank Checks

Need an official bank check or cashier’s check? Stop by the bank and we will issue one for you.

Night Drop

Need to make deposits outside of regular bank hours? Our night drop deposit box is available 24/7/365.

Notary Services

Need a document notarized? We provide notary services to our customers at no charge. Stop in and we will assist you.

Wire Transfers

Need to wire money to someone? Submit a request via Online Banking or stop in and we will assist you.

Check Re-Orders

Need more checks? Order checks from Harland Clarke online or by mail using the order form in your last box of checks.

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