Woman looking at waterford app

Mobile Banking


Enjoy banking whenever and wherever you are with our newly upgraded Waterford Mobile Banking App.  Free to download from your respective App store, Waterford Mobile Banking allows you 24/7 access to a variety of financial services from the convenience of your favorite mobile device.

  • Monitor Your Balances – easily view all of your accounts from one place
  • View Real Time Transactions – know where your money is going and view real time status information
  • Transfer Funds – quickly and securely between your Waterford accounts
  • Bill Pay – Manage your bills and pay them, right from your phone (You must enroll into Bill Pay through your Online Banking account first)
  • Popmoney® – send and receive money as easily as you send and receive email and text messages with Popmoney® (You must enroll into Popmoney® through your Online Banking account first)
  • Mobile Check Deposit – deposit checks into your eligible personal account using your favorite Android or Apple® Mobile Device. Learn more about MObile Deposit and enroll here.
  • Photo Safe Deposit™ Checks – The personal checks you order from us will automatically include Photo Safe Deposit security features, which help deter fraud. Learn more about Photo Safe Deposit Checks here.
  • Instant Balance – Instant Balance is a secure, read-only feature that allows you to see select balance accounts without logging into your Waterford Mobile Banking App. Learn more about Instant Balance here.
  • *NEW* My Mobile Money App – Used as a companion app to your Waterford Mobile Banking, My Mobile Money App is a better way to manage your Waterford Bank, N.A. debit card. Control and monitor your card usage anywhere. Learn more about My Mobile Money App.

Mobile Banking Enrollment

By signing up for Mobile Banking on this page, you will begin the enrollment process for Waterford Bank N.A.’s Mobile Banking App. Once you sign in, you will automatically be taken through the enrollment process with a series of screens. If you already have Mobile Banking and want to turn on Mobile Check Deposit, enroll here.

Please note that if you only want to do Online Banking tasks, you can still log in from the home page as you always have before.

It’s easy to get started:

  1. Sign up for Mobile Banking by entering your Online Banking Username and Password into the sign in box at the top right of this page and click Log In.
  2. Once logged in, click on Enroll Now.
  3. Accept the Terms and Conditions.
  4. Select the boxes next to Text Messaging and Alerts, then click Continue.
  5. Select the time zones and the accounts that you would like to have access to from your mobile device and identify them with a nickname.
  6. You will be asked to enter your mobile number and, upon doing so, an activation code will be sent to your device.
  7. Enter your code and select Activate. You will now be set up to download the app to your device. Go to your respective app store and search for Waterford Bank Toledo. Click Install to download the free app “WFB Banking” to your device.

You can also download the PDF version of the instructions here.

To manage your devices once they are enrolled, Log in to Online Banking and go to your Online Banking Preferences at the top of the screen. Scroll down the page until you see a button labeled Manage Devices.