Personal Checking Accounts
Checking options that fit your life
Find the Right Checking Account for You
Compare Checking Accounts
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Essential Checking
Simplify your life and save money with an Essential Checking account.
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Universal Checking
Maximize your earnings, enjoy flexibility and extraordinary personal service.
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Stepping Stone Checking
Bank On certified, this account is for individuals looking to take steps towards establishing and or improving a strong financial foundation.
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No Monthly Fee
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With 5 Debit Card purchases or more that have posted and settled to the checking account each statement cycle^ (ATM transactions do not qualify) or direct deposits of payroll or government benefits totaling $300.00 or more each statement cycle^; otherwise a monthly usage fee of $10.00 will be imposed. (Student checking accounts are exempt from monthly usage fee requirements.)
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With $1,000.00 average daily balance, or have $5,000.00 or more in average daily balances for the statement cycle of related accounts, or qualify to participate in the Classic Club, Charitable Checking, BRAVO, MVP or HERO Program^^; otherwise $25.00 monthly minimum balance fee will be imposed.
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Earns Interest
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$9,999.99 or less, $10,000.00-$49,999.99, $50,000.00-$99,999.99, $100,000.00 or more.
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Free Online Bill Pay
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Free e-statement
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Free Personal Checks
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First box of checks free
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Checkless account
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Unlimited Check Writing
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Free Debit Card with ScoreCard® Rewards
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No Fee Official Checks
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No Annual Fee Credit Card*
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See your bank advisor for credit building options
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Essential Checking
Simplify your life and save money with an Essential Checking account.
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No Monthly Fee
With 5 Debit Card purchases or more that have posted and settled to the checking account each statement cycle^ (ATM transactions do not qualify) or direct deposits of payroll or government benefits totaling $300.00 or more each statement cycle^; otherwise a monthly usage fee of $10.00 will be imposed. (Student checking accounts are exempt from monthly usage fee requirements.)
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Free Online Bill Pay
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Free e-statement
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Unlimited Check Writing
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Free Debit Card with ScoreCard® Rewards
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No Annual Fee Credit Card*
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Universal Checking
Maximize your earnings, enjoy flexibility and extraordinary personal service.
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No Monthly Fee
With $1,000.00 average daily balance, or have $5,000.00 or more in average daily balances for the statement cycle of related accounts, or qualify to participate in the Classic Club, Charitable Checking, BRAVO, MVP or HERO Program^^; otherwise $25.00 monthly minimum balance fee will be imposed.
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Earns Interest
$9,999.99 or less, $10,000.00-$49,999.99, $50,000.00-$99,999.99, $100,000.00 or more.
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Free Online Bill Pay
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Free e-statement
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Free Personal Checks
First box of checks free
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Unlimited Check Writing
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Free Debit Card with ScoreCard® Rewards
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No Fee Official Checks
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No Annual Fee Credit Card*
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Stepping Stone Checking
Bank On certified, this account is for individuals looking to take steps towards establishing and or improving a strong financial foundation.
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No Monthly Fee
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Free Online Bill Pay
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No Personal Checks
Checkless account
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Free Debit Card with ScoreCard® Rewards
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No Annual Fee Credit Card*
See your bank advisor for credit building options
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Exclusive Banking Programs
Classic Club
HERO
MVP
Student Checking
Bank Anywhere
Make using your checking account even easier with a WaterStone Bank Debit Card. Safer than carrying cash, your debit card will automatically withdraw from your checking account. Plus, earn points for great merchandise or travel with ScoreCard® Rewards!
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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.
Personal Credit Cards
Get the flexibility and rewards you need with a WaterStone Bank credit card—secure, convenient, and designed for your lifestyle.
WaterStone Bank Foundation
Supporting our communities through grants and partnerships that make a meaningful impact where it matters most.
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.
Latest Insight & Education
Stay informed and empowered with our collection of articles and tools. Whether you’re looking to improve your financial knowledge or explore tips for better banking, our resources are here to guide you every step of the way.
‡Additional account required.
Minimum Balance to open all Checking accounts is $100.00. See account disclosure for more information.
^With 5 Debit Card purchases or more that have posted and settled to the checking account each statement cycle (ATM transactions do not qualify) or direct deposits of payroll or government benefits totaling $300.00 or more each statement cycle; otherwise a monthly usage fee of $10.00 will be imposed. 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.
^^With $1,000.00 average daily balance, or have $5,000.00 or more in average daily balances for the statement cycle of related accounts, or qualify to participate in the Classic Club, Charitable Checking, BRAVO, MVP or HERO Program; otherwise $25.00 monthly minimum balance fee will be imposed. 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.
*Subject to credit approval
