BRAVO Benefits

BRAVO Program is accurate as of October 3, 2022. Customers are eligible to receive each bonus one time.

^BRAVO Checking Program – Universal Checking account requires $100.00 minimum balance to open the account and does pay interest. Universal Checking account has four variable rate tiers which are subject to change at any time. Interest will be paid based on the tier that applies to your entire daily balance in your account. Account must be open and active for 180 calendar days, or a $30.00 closing fee will be assessed at account closing. For tax reporting purposes, a 1099 form may be issued at year end for recipients of bonuses. Other checking options are available, ask us for more details. Employees of WaterStone Bank and its subsidiaries can choose to have an employee account and participate in an account program. They are eligible to receive program non-monetary benefits however, are not eligible to receive program monetary bonuses. Off¬er is redeemable at any branch location, cannot be combined with other off¬ers, is limited to one per customer and is not valid to individuals that received an incentive under another o¬ffer in the past 5 years. See Account Disclosure for more information. $200.00 Cash Bonus when direct deposits of payroll or government benefits totaling $300.00 or more is deposited within 90 calendar days of account opening. Bonus will be credited to the new checking account on the interest statement cycle after the direct deposit is received. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening. 1,000 ScoreCard® Rewards Bonus points when logging into ScoreCard® Rewards website for the first time. Reward points will be credited to your ScoreCard® Rewards account within 30 calendar days of account opening. A $25.00 e-statement bonus will be credited to your new checking account when e-statements are set up within the first 90 days of account opening. The reward is credited within the first statement cycle of the account receiving e-statements. A $25.00 debit card usage bonus will be credited to your new checking account when five (5) debit card purchases have posted and settled to the new checking account within one statement cycle (ATM transactions do not qualify) and within 90 calendar days of account opening.

^^BRAVO Money Market Program – Money Market account requires $5,000.00 minimum balance to open the account. A minimum balance fee of $10.00 will be imposed monthly if the average daily balance for the statement cycle falls below $5,000.00. A $100.00 money market bonus to be paid within 60 days of money market account opening with balance of $5,000.00 or more. Off¬er applies to new money market account customers only and does not apply to individuals that currently have a money market or closed a WSB money market within the past 180 calendar days. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening. Off¬er subject to change at any time.

^^^BRAVO Health Savings Account (HSA) – Health savings bonus requires an active Universal Checking account or a new one to be opened to obtain bonus of $50.00. Bonus will be credited to the checking account within the first statement cycle of HSA account opening. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. There is no minimum balance requirements to obtain the bonus. See Account Disclosure for more information.

+BRAVO Consumer Loan Program – $100.00 processing fee credit when an automatic payment is set up through a WaterStone Bank Account. This credit applies to WSB Home Equity Line-of-Credit. You are eligible for a $100.00 processing fee credit if you set up Auto Pay from a WaterStone Bank SSB (WSB) checking account for your WSB Home Equity Line-of-Credit. WSB will deposit the $100.00 processing fee you were charged at closing to your WSB checking account within 30 business days of Auto Pay set up. See account disclosures for more information.

²BRAVO Mortgage Loan Program – Mention this advertisement at the time of application to receive off¬er. $250.00 closing cost credit towards your purchase applies to first lien mortgage loans financed by Waterstone Mortgage to secure your primary residence. Closing cost credit will appear as a lender credit on your Closing Disclosure. O¬ffer subject to change at any time. Other restrictions may apply. All loan requests are subject to credit approval as well as specific program requirements and guidelines. For some programs, income and property restrictions may apply. Information is subject to change without notice.