Student Checking

^Student Checking Program Disclosure:To be eligible for the WaterStone (WSB) Student Checking Program, you must be enrolled in high school or college, be between the ages of 14-26 years old and show student identification issued by school or college. WSB discretion for home school, online, and/or other student enrolled programs. A parent or guardian will need to be joint owner on the account for those consumers under the age of 18 years old. Only one WSB program can be tied to an account. Parent’s account requires $5,000 of consolidated balances or a $500 average balance to avoid the $10.00 account usage fee. Usage fee applies if the Student Checking account does not meet the required 5 Debit Card transactions per statement cycle, $300 direct deposit, or $5,000 consolidated balance/$500 daily balance. E-Statements will be required for the account or a $5.00 fee will be assessed monthly. No-fee Overdraft Protection benefit requires an additional WSB deposit account owned by student with funds sufficient to cover the overdraft items. The first eight (8) ATM withdrawals per statement cycle will be covered by WSB and the fee assessed at the machine will be refunded to your WSB checking account within two business days. ATM withdrawals in excess of eight (8) in your cycle are subject to fees charged by the ATM owner. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. WSB employees, agents of WSB and affiliates are not eligible. Children of WSB employees are eligible. Fees will be waived for Student program customers up to two times annually. A $20.00 fee is assessed for foreign currency exchange services; fee is subject to change at any time. Please see a WSB banker for more details. Program subject to change without notice, see disclosure for details. REV022123

^^Checking + Savings Offer Disclosure: Checking/Savings offer is effective November 3, 2022. Bonus offers require a new WaterStone Bank SSB (WSB) Essential Checking account and Savings account to be open and active for the entire statement cycle in order to qualify for that statement cycle’s bonus. The Essential Checking account requires $100.00 minimum balance to open the account and does not pay interest. Offer(s) applies to new checking account customers only and does not apply to individuals that closed a WSB checking account within the past 180 calendar days. Offer is redeemable at any branch location, cannot be combined with other offers, and is limited to one per household. Account must be open and active for 180 calendar days, or a $30.00 closing fee may be assessed at account closing. For tax reporting purposes, a 1099 form may be issued at yearend for recipients of bonuses. $100.00 Automatic Deposit bonus offer requires a $250.00 minimum automatic deposit of payroll or government benefits to be received within 60 calendar days of account opening. Bonus will be credited to the new checking account on the first statement cycle after the direct deposit is received. If account is closed within 180 days a $100.00 promotional payback fee will be charged to the customer. Receive a one-time anniversary bonus of $150.00 deposited to account within 30 days after the account has been open and active for one (1) year. Upon opening a WSB Essential Checking account and enrolling in ScoreCard® Rewards program, 1,000 ScoreCard® Rewards points will be credited to your ScoreCard® Rewards account within 30 calendar days of 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. To determine your statement cycle please ask your Personal Banker at the time of account opening. The Savings account requires $100.00 minimum opening balance and requires the account to have a ledger balance of $500.00 at the (one) 1 year anniversary to receive the Savings Anniversary bonus. The Savings Anniversary bonus will be a one-time bonus of $50.00 after the account has been active for 1 year. The bonus will be deposited to account within 30 days after the account has been open and active for 1 year. Offer subject to change at any time, see disclosure for details. REV110322