Waterman Bank

Checking Account

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Get more for your money.

24/7 Online Banking

With 24/7 online and mobile banking and 37,000 fee-free ATMs, you'll always have access to your money.

With free online banking, bill pay, mobile banking and a debit/ATM card with access to 37,000 fee free ATMs, this checking account has everything you need to manage your money.

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Additional Features

Learn more about additional benefits for your checking account.

Your Waterman checking account comes with a Waterman Bank debit card. This card comes with chip enabled security and gives you access to your money 24/7, whether you want to pay for purchases at the register or withdraw cash at the ATM, your card will be there for you.

Your account gives you access to a network of 37,000 fee-free ATMs. Search ATMs using our ATM locator.

Online banking is great but sometimes you need help from a live person, stop by one of our locations or give us a call over the phone, someone is standing by ready to help.

New Account Opening Process

Step 1
Gather your documentation
Step 2
Complete an application
Step 3
Personalized Service Call

Click here to learn more about opening a new account at Waterman Bank.

Bank from anywhere with the
Waterman mobile app

A full-service bank at your fingertips.

Bill Pay

Manage your bills, set up one-time or recurring payments.

Transfer Between Accounts

Set up automatic monthly transfers, easily move money between your Waterman Bank accounts.

Mobile Deposit

Use your smartphone to deposit checks from virtually anywhere.

View Account
History

Our mobile app makes it simple to stay on top of your transactions on the go.

Set Account
Alerts

Set up alerts and get notified for specific details on your balances and transaction.

Security and
Convenience

Face ID & Fingerprint Authentication

Download the Waterman Bank Mobile App here.

Download the Waterman Bank Mobile App here.

Frequently Asked Questions

You can deposit cash at any of our bank locations.

You can access your account, make payments, or move your money with online banking through our website or through the Waterman Mobile app. You can also:

  • Use your debit card for purchases and payments
  • Get cash when you shop at select stores with your debit card
  • Request a wire transfer
  • Request a cashier’s check
  • Transfer money between accounts
  • Get cash using our surcharge-free network of ATMs

Yes, if you requested and signed for a debit card or checks your debit card will arrive by U.S. Mail in approximately 14 business days. Your initial check order will arrive in approximately 21 days after your account is opened and the order is placed. Please call us at 815-264-3201 if you do not receive your debit cards or checks or if you have any questions.

You can manage your money through our online banking or mobile app. You may also visit one of our branches if it is more convenient for you. Keep in mind that if you have a debit card, you will also have access to 37,000 surcharge-free ATM locations nationwide.

No. A $50.00 minimum deposit is required to open a Waterman checking account 

  • Transfer money online or by phone between Waterman Bank accounts
  • Deposit a check with by mobile deposit using the Waterman Bank Mobile app
  • Sign up for direct deposit with your employer or for your Social Security deposits
  • Wire transfer
  • Send us a check by U.S. mail (Please don’t send cash)
  • Receive and request money via Zelle®
  • Transfer money from your personal external accounts to your checking account via TransferNow® service
  • Make a cash or check deposit at a Waterman branch

You can download the “Waterman Mobile Consumer” mobile app through the Apple App  or Google Play Store. Click here for more information and a direct link to download for either platform.

Yes. You can add POD (Payable-on-Death) beneficiaries to your account.

Yes. Your accounts at Waterman Bank are insured by the FDIC up to the maximum amount allowed by law.

Waterman Bank is here to help.

At Waterman, we believe in serving everyone in our communities. We work to understand your needs, and find the right solutions to meet them. Whether your goals are big or small, we are only a phone call or email away.

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