CHECKING 2.5
2.50% cash back
on everyday debit card purchases.
No categories. No activation. No hoops.
No hoops. Just cash back.
Sounds too simple?
Good. That’s the point.
No rotating categories. No spending games. No apps to manage. Just cash back on everyday debit card purchases.
Simple Rewards
that work automatically
Earn cash back without rotating categories or keeping track of what qualifies each month.
Less to manage
no worries, more time
Straightforward rewards designed to fit your everyday routine.
Built for real life
to make every day easier
Designed for busy people who want value without hassle.
2.50% Cash Back
on everyday spending
Use your debit card for groceries, gas, coffee, takeout, and more.
Finally, rewards that don’t feel like work.
Open your Checking 2.5 account today!
Open a Checking 2.5 Account
Apply online in just a few minutes.
Use your debit card
Use for your everyday purchases.
Earn 2.50% cash back
No activation. No categories. No extra work.
Modern rewards. Community bank service.
At WaterStone Bank, we believe banking should feel personal and rewarding.
For over 100 years, we’ve helped customers manage their money with simple products, local service, and practical solutions that fit everyday life.
Seamless Banking
Stay connected to your with a secure and seamless digital banking experience.
Personal Service
Real people. Responsive support. Help when you need it, wherever you are.
Relationship First
Focused on customers and investing in our communities.
FAQ's
*2.5 Checking Account does not pay interest. A monthly fee of $10 will be imposed if you do not satisfy one of the following requirements: Direct deposit of payroll, pension or government benefits totaling $1,000 or more each statement cycle or maintain combined balance of $5,000 or more for the statement cycle including consolidated balances of related accounts. A $5 inactive fee will be imposed when the account is inactive for more than 60 calendar days if you do not satisfy one of the following requirements: maintain an average daily balance of $5,000 or more for the statement cycle in this account or consolidated balances of related accounts. 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. Earn 2.50% cash back on debit card purchases, up to a maximum of $280 in qualifying purchases per statement cycle (for a maximum of $7 per month). Credit will post to account with description of “Debitcard Cashback” on statement. If any transactions are returned during the statement cycle, your cash back earnings will be reduced accordingly. Account must remain open and active for 180 calendar days or a $30 closing fee will apply. See Account Disclosure for more information.
