• FDIC Insured

    FDIC-Insured – Backed by the full faith and credit of the U.S. Government

  • Remember: Waterford Bank will never ask you to share account numbers, usernames, passwords, or one-time security codes by phone, email, or text. If you receive a suspicious message or call claiming to be from Waterford, do not respond — please contact us directly at 866-707-2871.

A New Digital Banking Experience Is Coming

Man reviewing his online banking account on a desktop computer.

Clearer navigation.
Simpler access.
One secure experience.

Waterford Bank is launching a redesigned website and a unified online and mobile banking platform for personal and business customers as part of our digital banking update.

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Phase One | Online and Mobile Banking Updates Tuesday, Sept 22 – Thursday, Sept 24

Banker reviews documents on his phone.

Prepare for the Transition

The first phase of our digital banking upgrade begins Thursday, September 24, with the launch of our new Online and Mobile Banking platforms. During the two days leading up to launch, some services may be read-only or temporarily unavailable. Review the key changes below or download the comprehensive guide for more details.

Important Reminders:

  • Please be sure you know your Online and Mobile Banking, as well as your QuickBooks username and password ahead of the transition. You may wish to store them in a secure password manager to ensure you have them later.
  • Biometric authentication markers will not carry over to the new online and mobile banking platforms, so you cannot rely on them to get you into your accounts on Thursday, September 24. You will still be able to use biometric authentication with the new platforms but will be required to set it up on Thursday.
  • Any wires, ACH transfers, or internal transfers that need to be processed on Wednesday, September 23, must be initiated by 6:00 p.m. on Tuesday, September 22. As a best practice, we also encourage you to schedule any wires, ACH transfers, or internal transfers needed for Thursday or Friday by 6:00 p.m. on Tuesday the 22nd.
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Waterford Mobile Banking Icon

Mobile Banking App Downloads

Beginning September 24, the new, unified Mobile Banking App can be downloaded here:

Quicken and Quickbooks

A data file backup and a final transaction download should be completed by Tuesday, September 22 (Action Date 1). Please make sure to complete the final download before this date. As transaction history may not be available after the upgrade.

On Monday, September 28  (Action Date 2), you must complete your conversion steps. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

Find your appropriate Conversion Instructions below:

Be sure to carefully review your downloaded transaction after completing the migrations to ensure no transactions were duplicated or missed on the register.

Phase Two | Website Refresh | Anticipated Q4

Close up of waterford.bank URL in a search bar.

New Web Address Coming: waterford.bank

As part of the next phase of our digital banking experience, anticipated for Q4, Waterford Bank will introduce an updated website experience designed to make information, resources, and people easier to find.

Most notably, our website address will move from waterfordbankna.com to waterford.bank. This shorter, simpler URL reflects the next step in our digital presence while continuing to provide secure access to the information and services you rely on.

The redesigned site will make it easier to find individual departments, connect with bankers, and explore resources based on your needs. From personal banking and mortgages to business banking, treasury management, and private banking, the goal is to help you reach the right Waterford team member or service area with fewer steps.

This update is about more than a new look. It is about creating a website that better reflects how customers bank today: digitally, locally, and with access to real people when timing matters.

Security Remains a Priority

Waterford Bank’s digital banking update maintains the same strong security standards our customers expect.

Our systems include:

  • Multi-factor authentication
  • Encrypted data transmission
  • Continuous fraud monitoring
  • Secure login protocols

Need Help?

If you have any questions, we’re here to help.

FAQ

General

  • Here’s what to expect:

    • Our website, waterfordbankna.com, will be updated later this year as part of our continued investment in a more modern and accessible banking experience. You can enjoy our new online banking product and navigation framed around your banking needs from our new, more secure URL of waterford.bank.
    • Online Banking Experience – Personal and business online banking will transition to one secure login platform and credentials, providing a more seamless way to access your accounts and services.
    • Waterford Bank Mobile Banking App – We will bring our personal and business mobile banking together into one convenient app, creating a more consistent experience across devices.
    • Enhanced Product Offering and Implementation – This transition positions us to introduce expanded digital tools and services over time. Business customers will gain access to additional solutions such as integrated Accounts Receivable and Accounts Payable capabilities and Zelle® for Business. Personal banking customers will benefit from an improved Zelle experience with a more streamlined enrollment process separate from Bill Pay.

    Here’s what isn’t changing:

    • Waterford Bank cards and checks – Your debit and credit cards, checks, and similar personal banking items are not changing and will still be usable.
    • Current products and features – The products and services you use today will continue without interruption. Any future enhancements will be introduced thoughtfully and communicated in advance.
    • Our commitment to relationship banking – While our digital tools are evolving, our approach is not. You will continue to work with the same people who know you, understand your goals, and are committed to providing responsive, thoughtful service.
  • We are unveiling our new online and mobile banking experience on Thursday, September 24.  Our website www.waterfordbankna.com, transitioning to waterford.bank, will also undergo an upgrade in early Q4.

  • Trust is foundational to your banking relationship, especially as fraud risks continue to grow. If you have any questions about these changes or would like to verify the authenticity of a communication from Waterford Bank, contact our Customer Care line at (855) 896-2064 or stop by your local branch.

Website and Online Banking Experience

  • Later this year, we will begin introducing our redesigned website, created to make it easier to access the services and information you rely on. The updated experience reflects our continued investment in serving you well.

  • Yes, instead of having separate login locations for personal and online banking, there will be one streamlined login portal.

    If you use only personal or only business online banking currently, your username and password will remain the same.

    If you use both personal and business online banking and currently have separate logins, you will access both through one unified set of login credentials after the transition. The first time you login, you will click the “register” button to get started. It is important that you have the correct email and phone numbers tied to this account for identification purposes.

  • If you use only personal or only business online banking currently, your username and password will remain the same.

    If you use both personal and business online banking and currently have separate logins, you will access both through one unified set of login credentials after the transition.

  • Yes. Both will be accessible through a unified online banking experience.

  • Bill Pay services are expected to remain uninterrupted. Zelle will now be outside of the Bill Pay application, allowing for seamless setup. Limits for personal use of Zelle will not change; those will remain the same. Business customers will now have access to Zelle as well.

  • Business customers will gain access to Zelle® for Business.

    Personal banking customers see an improved Zelle® experience with a more streamlined enrollment process separate from Bill Pay.

Waterford Mobile App

  • Migration to the new Mobile Banking App will occur on Thursday, September 24. For users who already use the Personal Mobile Banking App, you will be redirected to download the new integrated Mobile Banking App upon launching the current version.

    Users who only had Business Mobile Banking will need to visit their respective app store to download the new Mobile Banking App.

  • Current users of our mobile app will begin to see brand updates later this year, including a new welcome screen, login page, and navigation options. Additional functionality and features will be updated as the rollout nears.

  • For users who only have personal login credentials, your same credentials will carry over to log into the new app. For users who had both personal and business logins, you will be prompted to create a new username and password the first time you login.

    Biometric authentication, will still be available, but will need to be reenabled the the first time you log into the new mobile banking experience.

  • Migration to the new app will occur on Thursday, September 24.

Young woman shows off the debit card management app on her phone.

Online Account Opening

As part of our digital improvements, customers can continue to open personal and business accounts online securely and efficiently.

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