Online Services

Online Banking

Our secure Online Banking feature gives you safe, 24 hour access to your finances.  From multifactor authentication, encryption software, firewalls, and automatic sign-off, your information is always secure. There is no charge for Online Banking if it is accessed 1 time per calendar month.

  • View account balances and transaction history.
  • Transfer funds and make loan payments.
  • View images of your checks.
  • View and download your statements.
  • Set up "Notify Me" email alerts.
  • Manage personal information.

For even more convenience, use Online Bill Payment to pay virtually anyone, anytime, anywhere and on time.  There is no charge for Online Bill Payment if three or more bills are paid per calendar month, otherwise $5.95 fee per calendar month is assessed.

  • It's fast, easy and guaranteed. 
  • Save paper, time and money.
  • Safer than mailing paper checks.
  • Payee information is saved for future use.

Online Banking Demo


Mobile Banking

With 24/7 mobile access everywhere.


Whether you choose to use the Mobile App or Text Banking*, you can access your accounts quickly and securely from virtually any mobile device.  There is no charge for Mobile Banking if it is accessed 1 time per calendar month.


Signing up is quick and easy.

1.  Download the Waterford Commercial and Savings Bank app from the Apple Store or Google Play

2. Click “Enroll” button

3. Enter a few details to get your account setup

4. Stop by the bank to sign enrollment form (first time users only)

*  Text Banking will incur a service fee of $0.10 per text message, in addition to standard text message rates.

Go Paperless

Access your statements and notices using the Electronic Statement Retrieval module on our homepage.

  • Available at no additional charge.
  • Statements will be available immediately and you will be notified by email.
  • Eliminate the paper trail! (A paper trail is an identity thief's best friend.)

Click here for the electronic delivery of bank statements & notices consent and agreement.