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eDeposit Products

Open a Waterford Deposit Account online in just minutes*—it’s simple and secure. Our accounts are designed to meet diverse needs, offering access to essential tools like Online Banking, Mobile Banking, Debit Cards, and more.

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Waterford eClassic Checking

Basic checking with unlimited check writing

No Monthly Service Fee if: $1,500 average daily ledger balance in checking or total bank deposit relationship of $7,500.
Monthly Service Fee: $12.00
Does Not Pay Interest
Check Access: Yes
Domestic Debit Card/ATM Access: Yes; fees waived up to $30 or 10 transactions (whichever occurs first) per card per month, plus unlimited debit card transactions.
Images: Available online
Electronic Statements: Required
Online Bill Pay: Yes
Online & Mobile Banking: Yes

Waterford eElite Checking

High-yielding interest-bearing checking account

No Monthly Service Fee if: $3,500 average daily ledger balance in checking or total bank deposit relationship of $25,000.
Monthly Service Fee: $21.00
Pays Interest: Yes; variable interest compounded and credited monthly on the daily collected balance.
Check Access: Yes
Domestic Debit Card/ATM Access: Yes; fees waived up to $30 or 10 transactions (whichever occurs first) per card per month, plus unlimited debit card transactions.
Images: Available online
Electronic Statements: Required
Online Bill Pay available
Online & Mobile Banking available

Waterford eClassic Savings

Basic savings account

No Monthly Service Fee; No minimum balance requirements.
Pays Interest: Yes; variable interest compounded and credited quarterly on the daily collected balance.
Images: Available online
Electronic Statements: Required
No Online Bill Pay
Online & Mobile Banking: Yes

Waterford ePremier Money Market

High-yielding Money Market account

No Monthly Service Fee; No minimum balance requirements.
Pays Interest: Yes; variable interest compounded and credited monthly on the daily collected balance.
Check Access: Yes
Images: Available online
Electronic Statements: Required
Online Bill Pay available
Online & Mobile Banking available

eCOD 6 Months

Fixed rate Certificate of Deposit

Minimum Balance to Open: $1,000
Fixed interest rate paid monthly
Online & Mobile Banking available

eCOD 12 Months

Fixed rate Certificate of Deposit

Minimum Balance to Open: $1,000
Fixed interest rate paid monthly
Online & Mobile Banking available

Waterford eHSA Single/Family

Personal Healthcare Account

No Monthly Service Fee; No minimum balance requirements.
Variable interest compounded and credited monthly on the daily collected balance.
Domestic Debit Card/ATM Access
Images: Available online
Electronic Statements: Required
Online Bill Pay available
Online & Mobile Banking available

*Online account opening is available for individuals residing in Ohio, Michigan, and Indiana.

Checking Account Benefits

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Enjoy 24/7 access to real-time account information.

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Manage your money easily through our convenient mobile apps.

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Online and Mobile Bill Pay

An easy, secure and convenient way to pay your bills from your online or mobile banking platform.

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ATM Usage Reimbursement

We reimburse ATM usage fees worldwide up to $30.00 or 10 times per month, whichever comes first.

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We can provide business reply postage paid envelopes for use to send deposits, payments or correspondence to us. Contact us to learn more.

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Instant Issue Debit Cards

Enjoy a new or replacement debit card at a moment’s notice, now available at all our full-service offices.

Need More Information?

Feel free to reach out to us, or sign up for our periodic newsletter to stay up to date with all the latest Waterford Bank N.A. news and alerts.

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