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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?

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