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Trust & Investment

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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 deposit per check limit is $1,000.00 with a daily limit of $2,000.00. (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.

Mobile Video

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!

Personal Billing Video

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.

Estate Video

Account-to-Account Funds Transfer

Transfer money easily from one account to another.

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 Washington Savings Bank can help you build a comprehensive action plan for your financial future – one that leverages the potential of today’s markets to help with:

Safekeeping, Escrow, Investment Management

Escrow/Contract for Deed – Washington Savings Bank, Trust Department serves as a third party Agent for individuals entering into a real estate contract with another party.

Directed Agency – This type of account allows us to assist you with paying bills, such as utilities, insurance and taxes, etc. You can also add investments such as stocks, bonds, CDs & mutual funds, which we buy and sell at your direction. We provide you with a detailed account statement at the frequency you desire.

Personal Investment Custody – Are you confused about what type of investor you are? Allow us to help you determine that. We can provide an investment proposal for you to review. All buys and sells of investments are done at your direction only. We provide you with a detailed account statement at the frequency you desire.

1031 Exchange – The exchange of certain types of property may defer the recognition of capital gains or losses due upon sale, and hence defer any capital gains taxes otherwise due. The properties exchanged must be of “like kind”. Contact us for more information.

Trusts are designed to fit your family's needs.

Special Needs Trust – Individuals with children or loved ones who have disabilities are able to create a Special Needs Trust that leaves money for care while still allowing the person to receive governmental aid. A great Estate planning tool.

Land Trusts – An Illinois Land Trust is a mechanism used to handle ownership in real estate.

Revocable Living Trust – Transfers property from a living grantor, or creator, to a trustee through a written agreement. A Revocable Living Trust allows the grantor(s) to change the terms whenever he/she wants. You can be your own Trustee while living then appoint a Successor Trustee to serve after your death.

Irrevocable Trust – Often used for asset-protection purposes and qualification for VA and Medicaid-paid, long-term care benefits. A properly drafted trust will ensure you do not have to surrender all control.

Testamentary Trust – Established from the last will and testament that provides for the distribution of all or part of an estate and often proceeds from a life insurance policy held on the person establishing the trust. There may be more than one testamentary trust per will. A trustee to administer the trust would be named in the will.

Self-directed IRAs, ROTH IRAs, SIMPLE IRAs

Self-Directed IRA – Contribute to an IRA, or transfer an existing IRA, to keep your retirement assets deferred from income taxes.  Do you have retirement funds in a prior employer plan? A direct rollover will allow you to keep those funds tax deferred.  You are able to invest in stocks, bonds, mutual funds & CDs, all at your direction.

SIMPLE IRA – Are you an employer who would like a simplified way to contribute toward your employees’ and your own retirement savings? Contact our trust department for information.

Roth IRA – A great tax-efficient way to save for your retirement. You pay taxes on money going into your account and then all future withdrawals are tax free once qualifications are met. We’d be happy to help you determine if a ROTH IRA is right for you.

Being an Executor of someone's estate is a huge and timely task.

It’s a huge and timely task, especially for your loved one(s). Our Trust Officers at Washington Savings Bank have many years of experience settling estates.

We serve as Guardian of an individual's estate.

We can basically do anything for an individual that they could do for themselves from a financial standpoint.

Investment and Insurance Products are: NOT FDIC Insured, NO Bank Guarantee, May Lose Value, Not a Deposit, and Not Insured by any Federal Government Agency.

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