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We Give You More

At Washington Savings Bank, we give you more! We give you more products and services! 

We have the best checking accounts! All our checking accounts offer rewards!

Cash Rewards Checking: a free account that pays up to 20¢ on every debit card signature purchase, plus nationwide surcharge-free ATM access at over 50,000 Allpoint® and SUM® ATMs.

Interest Rewards Checking: a free account that pays you high interest, plus nationwide ATM fee refunds when certain monthly activity requirements are met. 

Online Rewards Checking: a second chance checking for people who have been denied a checking account because of previous bank charge-offs. It pays cash rewards for every debit card signature purchase, plus surcharge-free ATM transactions on the Allpoint® network — all for a flat $9.95 monthly fee. Direct deposit is required. 

We have the best electronic banking service! In addition to the free online access and bill payment you'd expect, we also have: 

  • Bank to Bank transfers, to move money between banks
  • Mobile Banking for web, app and text!
  • Mobile check deposit
  • Free estatements
  • Mobile banking debit card controls to turn your card on and off and limit other transactions.
  • Secure forms so you can complete most customer service functions online 

We're open till 3 pm on Saturdays. 

We understand your life is hectic and the few times a year you have to come to a branch, it has to be convenient for you. That's the WSB way. Plus, our ClickSWITCH tool will help you move your auto deposits and payments to us. We give you more!

Our History

For over 125 years, we've been serving you. 

In 1892, Washington Savings Bank made its first home in Lowell, MA. With the growing success of the Bank, a Dracut branch was added in 1997 to help us better serve the Greater Lowell community. 

Now, as the community continues to grow, and consumers search for more banking options, Washington Savings Bank strives to meet those needs with the community banking perspective our customers have grown to love and innovative products and services that can only be found at Washington Savings Bank. 

Each conveniently located branch is serviced by friendly, knowledgeable staff and has the modern conveniences our customers have come to expect — like 24-hour ATM machines, telephone banking, and an Internet presence. Every branch is open until 3 PM on Saturdays to work with customer's busy lives — the only local bank that can make such a claim.

Our product line is extensive and offers a number of checking, savings, and loan products to individuals of all ages. As a member of the Allpoint® Network, our customers can use their debit card surcharge-free at over 50,000 locations nationwide for our Cash Rewards Checking. Cash Rewards checking pays you up to $20 per month on debit card cash rewards! Let us help you save money with a Christmas Club account, a Vacation Club, a certificate of deposit, or traditional savings account. Qualified applicants can also take advantage of our auto and personal loans, as well as mortgage and home equity products.

Business customers can expect the products they need and the exceptional service they deserve. With working lines of credit, term loans, and commercial mortgages to grow your business combined with business deposit products, designed to save you more money than at any other bank, Washington Savings Bank is the easy choice for the small business owner. 

Most importantly, we value our commitment to local decision-making — not a corporate facility far from Greater Lowell. Combine it all with friendly customer service and two convenient locations, and you'll find that Washington Savings Bank is more than a mutual savings bank; it's your mutual-banking partner that gives you more.