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  • To learn more about Clarkston State Bank's merger into Waterford Bank, N.A., visit our Merger Center.

Deposit Products

With a variety of individual deposit accounts, we offer an array of options for saving and managing your money, backed by the services and expertise of our banking specialists.

Deposit Accounts Waterford Classic Checking Waterford Elite Checking Waterford Classic Savings ** Waterford Premier Money Market ** Waterford Premier Plus Money Market 1 **
Product Description Basic checking with unlimited check writing. High yielding interest bearing checking account. Basic savings account. Limited to 6 withdrawals per month ** High yielding Money Market account with limited check writing.

Limited to 6 withdrawals per month **
High yielding Money Market account with limited check writing. Must have Waterford Bank checking Account to qualify.

Limited to 6 withdrawals per month**
Available at No Monthly Service Fee with Minimum Account balance Yes, $1,500 avg. daily ledger balance in checking or combined total deposit relationship of $7,500. Yes, $3,500 avg. daily ledger balance in checking or combined total deposit relationship of $25,000. Yes, No minimum balance requirements. Yes, No minimum balance requirements. Yes, No minimum balance requirements.
Monthly Service Fee $10.00 $19.00 $0.00 $0.00 $0.00
Pays Interest No Yes, variable interest compounded and credited monthly on the daily collected balance. Yes, variable interest compounded and credited quarterly on the daily collected balance. Yes, variable interest compounded and credited monthly on the daily collected balance. Yes, variable interest compounded and credited monthly on the daily collected balance.
Check Access Yes Yes N/A Limited to 6 checks per month** Limited to 6 checks per month**
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. Yes, fees waived up to $30 or 10 transactions (whichever occurs first) per card per month plus unlimited debit card transactions. N/A N/A N/A
Free Checks Initial order of standard Waterford checks.  If non-standard bank will discount $4.00 for first order.  All reorders at regular price. Standard Waterford checks free for all orders.  If non-standard we discount $4.00 on all orders. N/A Initial order of standard Waterford checks free. Initial order of standard Waterford checks free.
Check Safekeeping Yes Yes N/A Yes Yes
Images Available online Available online N/A Available online Available online
Electronic Statements Yes Yes Yes, if combined with checking Yes Yes
Overdraft Protection Available Yes Yes N/A Yes Yes
Online Bill Pay Available Yes Yes No Yes Yes
Online & Mobile Banking Available Yes Yes Yes Yes Yes
1 Must also have a Classic or Elite checking account to qualify. The Classic or Elite Checking Account must have 15 transactions or $5000 in deposits every month to maintain higher interest rate on Premier Plus Money Market.
** Federal Regulation D limits the number of checks, preauthorized, automatic, telephone, electronic (including ACH), online, and other transfers and withdrawals not made in person or by ATM to 6 per month.

For a detailed comparison of our Checking and Savings Products, view our deposit products guide.

  • Classic Checking
  • Elite Checking
  • Premier Money Market Account
  • Premier Plus Money Market Account
  • Classic Savings
  • Certificates of Deposit

Checking Account Benefits

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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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Privacy Policy

Clarkston Customers

Clarkston Bank
Clarkston Customers

Our system merger will take place on March 9, 2020. Online Banking will be in Inquiry Mode after 5PM on March 6, 2020 through the weekend. On March 9, 2020 your new Online Banking will be available. All users (Personal and Business) except Treasury Management users should use the “Personal Banking Online Access” link to the left.

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