Health Savings Account (HSA)
Tax-free savings for medical expenses.

Flexible, Convenient Healthcare Savings
Why Choose a WaterStone Bank HSA?
Save for medical expenses
Funds roll over annually & earn interest
Tax-deductible contributions
Pay with debit card or checks
Tax-free withdrawals for qualified expenses
Manage account digitally
Frequently Asked Questions
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Personal Savings
Start saving for the future with accounts that grow your money. Choose from a variety of options, including high-yield and specialty savings.
Credit Cards
Get the flexibility and rewards you need with a WaterStone Bank credit card—secure, convenient, and designed for your lifestyle.
Personal Checking
Enjoy easy access to your funds with free debit cards, online bill pay, and access to over 650 no-fee ATMs across Wisconsin.
What can we help you with?
Have questions about your banking needs? Our friendly team is here to help. Whether you’re opening your first account, choosing the perfect credit card, or planning your financial future, we’re ready to provide personalized support and guidance. Reach out to us by visiting your nearest branch, giving us a call, or making an appointment. WaterStone Bank is here to make banking easy and stress-free for you.
Customer Support Center
Visit a Branch
With 14 locations across Milwaukee, Waukesha, and Washington counties, our friendly team is ready to assist you with personalized service, expert guidance, and banking solutions tailored to your needs.
Schedule an Appointment
Save time by booking an appointment for personalized assistance. Open a new account, set up beneficiaries, or access services like notary, overdraft protection, and currency exchange.
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Health Savings Account Disclosure: Health Savings Account is a tiered rate product and pays interest. The Annual Percentage Yield (APY) for each tier is based on a daily balance method: 0.10% on balances $4,999.99 or less, 0.15% on balances $5,000.00 to $9,999.99, 0.20% on balances $10,000.00 to $24,999.99, 0.25% on balances $25,000.00 to $49,999.99 and 0.30% on balances over $50,000.00. The APY is accurate as of 7/24/2024 and will be paid on the entire balance in the account. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. A statement cycle may be from the 17th day of the month to the 16th day of the next month. Account must be open and active for 180 calendar days, or a $30.00 closing fee will be assessed at account closing. Fees may reduce earnings. To determine your statement cycled please ask your banker at the time of account opening. REV072424