Student Checking Program

^Student Checking Program Disclosure: To be eligible for the Student Program, you must be enrolled in high school or college, be between the ages of 14-26, and show a student ID issued by the school or college. WaterStone Bank (WSB) discretion for home school, online and/or other student enrolled programs. A WSB Essential checking account is also required to participate in the program. If you are under the age of 18, a parent or guardian will need to be joint owner on the account. E-Statements will be required for the account. Only one WSB program can be tied to an account. Student Program is subject to change without notice. No-fee Overdraft Protection benefit requires an additional WSB deposit account owned by the Student Program member with funds sufficient to cover the overdraft items. Fees that are assessed to your checking account for withdrawing funds at an ATM with your WSB Debit Card are limited to 8 ATM fee reimbursements per statement cycle* and will be refunded to your WSB checking account within the next business day. Free WSB checks will be provided. Benefit does not include reimbursement of other check designs you previously purchased or plan to purchase. The College Real Rewards Credit Card is subject to credit approval and is an optional benefit for the Student Checking Program. Fees are subject to change at any time. Children of WSB employees are eligible to participate in the Student Program. WSB employees, agents of WSB and affiliates are not eligible. *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.

Minimum Balance to open all Checking accounts is $100.00. See account disclosure for more information.