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“Banking On The Go?” Try Our Virtual Branch. Right CaretLEARN MORE

Now you can enjoy the conveniences of banking at a traditional branch by using our Virtual Branch services for all of your personal banking needs anytime and anywhere! We offer these e-services to ensure that you can engage in banking in a way that meets your needs.

Online Banking

With our extremely convenient Virtual Branch many of your banking tasks – whether checking your accounts or even transferring funds – can now be done on your schedule from the comfort of your home.

Personal Banking Video

Mobile Banking

Mobile banking is a part of our Virtual Branch that lets you access all of your accounts and pay bills anytime, anywhere, with your mobile phone/device. Better yet, it’s free! You can check balances and history as well as set up alerts through text messaging. Sign up for our WSB Mobile app as well to access all of your account information directly from your smart phone or tablet.

Getting Started:

  • Go to your Online Banking account on a personal computer, not a cell phone. If you don’t have an online banking account, call us today to get started!
  • Click on ‘Options’.
  • Click on ‘Enroll Now’ under the ‘Mobile Banking Profile’ option.
  • Set up your account.

It’s that simple. If you have any questions, please give us a call at 217-347-7173.

Mobile Deposit

With the WSB Mobile app, you can take a photo of your check and make a deposit anytime, anywhere! The daily deposit limit is $2,500.00.(Each check is one deposit).

Steps to using Go Mobile Deposit:

    • Before logging into the WSB Mobile app, close all other apps running in the background on your mobile phone.
    • Once logged into the app, select the deposit icon from the menu across the bottom.
    • Sign/endorse the back of your check then put “WSB Mobile Deposit” under the endorsement. (see sample below)

  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • Tips for taking pictures of the check.
    • Flatten folded or crumpled checks before taking your photos.
    • Keep the check within the view finder on the camera screen when capturing your photos. Try not to get too much of the areas surrounding the check.
    • Take the photos of your check in a well-lit area.
    • Place the check on solid dark background before taking the photo of it.
    • Keep your phone flat and steady above the check when taking your photos.
    • Hold the camera as square to the check as possible to reduce corner to corner skew.
    • Make sure that the entire check image is visible and in focus before submitting your deposit.
      • No shadows across the check
      • All four corners are visible
      • Check is not blurry
      • The MICR line (numbers on the bottom of your check) is readable
  • After the Mobile Deposit has been accepted and “Deposit Pending” shows up in Mobile Banking, the deposit will appear in your account after the nightly update.

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Online Bill Pay

An easy and convenient way to pay both regular and one-time-only bills, without having to visit the post office or buying stamps!

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Online Mortgage Application

Apply for a loan online. Application typically takes less than 20 minutes.

View our rates

Apply Today!

eStatements

Sign up for eStatements and help save the environment.

Receive notification that your bank statement is available to view. You can either click on the link in your email notification or log on to online banking and click on the account and then the documents tab.

Available for any checking account and Tiered Statement Savings Account.

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Account-to-Account Funds Transfer

Our convenient online account-to-account transfer platform provides you an easy and secure way to transfer funds from your Washington Savings Bank accounts to and from your accounts at other financial institutions. Whether it’s a one-time, recurring, or future dated transfer, use this tool to make your account to account transfers convenient, fast and safe!

Credit Card Application

Apply for a VISA® Platinum Credit Card that rewards you with points.

Apply Now!

Sign Up For Virtual Branch Today

The advisors at WSB can help you build a comprehensive action plan for your financial future – one that leverages the potential of today’s markets to:

Traditional IRAs

A traditional IRA is a “tax-deferred” account to help you save for your retirement.

• Contributions may be tax-deductible

• Every individual under 70 ½ who has earned income may make contributions

• Earnings grow tax-deferred

• Withdrawals made prior to 59 ½ may be subject to a 10% penalty

Roth IRAs

A Roth IRA’s earnings grow tax-free.

• Contributions are not tax-deductible

• Earnings are tax-free if withdrawn after age 59 ½ and the account has been open for five years or more

• Contributions, not earnings, may be withdrawn tax-free at any time

Account Type
Roth IRA
Traditional IRA
18 Month Variable $100.00 $100.00
12 Month $1,000.00 $1,000.00
15 Month $2,500.00 $2,500.00
18 Month $1,000.00
24 Month $1,000.00 $1,000.00
30 Month $1,000.00
36 Month Bump $2,500.00 $2,500.00
60 Month $1,000.00
84 Month $1,000.00 $1,000.00

View & Compare Our Roth IRA RatesView & Compare Our Traditional IRA Rates

Important Disclosures

We use the daily balance method to calculate the interest on all accounts. Interest begins to accrue on the business day you deposit. A penalty may be imposed for early withdrawal. All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account. All Federal IRA rules and regulations pertain to the above accounts.

18 MONTH VARIABLE RATE: You must deposit $100.00 to open this account. Additional deposit can be made of $1.00 or more at any time. Your interest rate is subject to change on February 1st and August 1st to not less than the rate currently being paid on our 18 month fixed rate CD’s. This account will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. Interest is compounded and credited semi-annually on January 31 and July 31st of each year. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

12 MONTH – 15 MONTH – 18 MONTH CERTIFICATES: Interest begins to accrue on the business day you deposit. The interest rate for your account will be paid until maturity. Interest is compounded and credited quarterly on Jan. 31, April 30, July 31, and Oct. 31. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

24 MONTH – 30 MONTH – 60 MONTH – 84 MONTH CERTIFICATES: Interest begins to accrue on the business day you deposit. The interest rate for your account will be paid until maturity. Interest is compounded and credited quarterly on Jan. 31, April 30, July 31, and Oct. 31. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date.

The 24 Month and 30 Month Certificate early withdrawal penalty is an amount equal to 270 days simple interest, whether earned or not.

The 48 – 60 Month Certificate early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not.

The 84 Month Certificate early withdrawal penalty is an amount equal to 540 days simple interest, whether earned or not.

36 MONTH BUMP RATE CERTIFICATE: Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31st. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date. Early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not. The interest rate for your account will be paid until maturity, unless you exercise your right to bump the rate. The option must be exercised by the accountholders in person in writing on a form provided by the institution and acknowledged by our representative. The Bump Rate option does not extend the original maturity date. The new adjusted interest rate is paid from the date the original interest rate is bumped to the end of the original term. If your certificate auto-renews, the Bump Rate option is allowed one time during each renewal period.

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