Woman looking at waterford app

Personal 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 (You must enroll into Popmoney® through your Online Banking account first) Learn more about Popmoney® here.
  • 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.
  • 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.


Watch our Mobile Banking Video.

Mobile Banking Enrollment

You can sign up for mobile banking directly through your personal online banking log-in. You should be prompted to enroll into Mobile Banking when you set up your Personal Online Banking. If you previously declined mobile services and would like to activate it now you can do so through the Profile section of Online Banking. 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 through the Profile button at the top of your Personal Online Banking Page.
  2. Navigate to the Mobile Banking section of your Profile and click Manage Devices.
  3. Accept the Terms and Conditions.
  4. Add your Mobile Phone number in the designated boxes and opt in for any additional services you may want, then click continue.
    1. From here you can have a text sent to your phone with the app download link or you can go to your respective app store and search for Waterford Bank Toledo. Click Install to download the free app “WFB Banking” to your device.
  5. Now you can select your time zones, the accounts that you would like to have access to from your mobile device, and identify your accounts with nicknames.
  6. From this same area you can manage your enrolled mobile devices going forward for items such as adding new devices, changing phone numbers, and editing account nicknames and time zones.

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

Other Waterford Mobile Apps

  • Card Valet App – Card Valet can be used as a companion app to your Waterford Mobile Banking to control, monitor, and toggle your Waterford Bank, N.A. debit card(s) on and off. Learn more about Card Valet.
  • SecurLOCK Equip App – Used as a companion app to your Waterford Mobile Banking, the SecurLOCK Equip App is a convenient way to manage your Waterford Bank, N.A. credit card(s). Learn more about SecurLOCK Equip App.

Interested in mobile banking for your business?