^ Smart Money Market is a tier rate product and pays interest based upon the entire daily balance in your account. For the first 12 months after account opening, the 1.10% APY is paid on the entire balance. Annual Percentage Yields (APY) are accurate as of 10/9/2017. After 12 months, the APY will go to the current market interest rate and APY. Account requires $100 minimum balance to open. Funds currently on deposit with WSB in a money market or savings account are not eligible. A WaterStone Bank SSB (WSB) Smart Checking account is required to open the Smart Money Market account. A minimum balance fee of $20 will be imposed monthly if the average daily balance for the statement cycle falls below $2,500. Fees may apply and could reduce earnings. Offer is limited to one per customer or household. Offer expires on 11/11/2017.
^^All Checking bonus offers require a new WaterStone Bank SSB (WSB) Smart Checking account to be opened by 11/11/2017 and requires account to be open and active for the entire statement cycle* in order to qualify for that statement cycle's* bonus. Smart Checking account requires $100 minimum balance to open the account and does not pay interest. Bonus 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, is limited to one per customer and is not valid to individuals that received an incentive under another offer in the past 5 years. For tax reporting purposes, a 1099 form may be issued at yearend for recipients of bonuses. $50 Automatic Deposit bonus offer requires a $200 minimum automatic deposit of payroll or government benefits to be received within 90 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. E-Statements bonus offer requires enrollment in WaterStone Bank SSB's Consumer Internet Banking and consent to receive e-statements to qualify to receive $3 recurring bonus. $3 bonus will be credited to the new checking account on a recurring basis on the last day of the statement cycle* provided you continue to be enrolled to receive e-statements. The new account will be monitored for a period of 12 months from account opening for continued enrollment in e-statements (maximum of $36 bonus). CheckCard $1 reward requires a CheckCard purchase of at least $10 or more that has posted and settled to the new checking account each statement cycle (ATM transactions do not qualify). CheckCard rewards are capped to a maximum of $10 per statement cycle for a 12 month period from account opening (maximum of $120 in rewards). Rewards will be consolidated and credited to the new checking account on the last day of the statement cycle*. Within the first 6 months of account opening, pay 3 bills of at least $50 to each payee for 3 consecutive months and receive a one-time bonus of $50 deposited to account by the end of the month following the third month. Upon opening a WSB Smart Checking account and enrolling in ScoreCard® Rewards program, 1,000 Scorecard® Reward points will be credited to your ScoreCard® Rewards account within 14 calendar days of account opening.
For either account: Account must be open for 90 calendar days, or a $30.00 closing fee may be assessed at account closing. *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. Employees of WaterStone Bank SSB, its subsidiaries and members of their immediate families and households are not eligible. See corresponding Account Disclosure for more information.