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Completely Free Checking · Since 1871

Free checking that
stays free.

No monthly maintenance service charge.* No minimum balance to avoid one.* Open with as little as $10 at a bank that has served these towns for over 150 years.

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$10 to open · $0 monthly service charge* · Thousands of surcharge-free ATMs1 · Member FDIC · Member DIF

Questions? (781) 729-2130

What every account includes

A checking account that checks all the boxes.

Every new personal checking account comes with the same set of tools — no tiers, no upsell, no monthly fee on Completely Free Checking.*

Free Visa® Debit Card

Tap, swipe, or add it to Apple Pay, Google Pay, and Samsung Pay. Personalize it with your own photo.

Mobile banking with deposit

Deposit a check from your kitchen table, check balances, and move money whenever it suits you.

Free Online Banking & Bill Pay

Schedule one-time or recurring payments, and go paperless with free eStatements.

Send money with Zelle®

Pay back a friend or split a dinner bill in minutes, right inside online and mobile banking.

Surcharge-free ATM access

Thousands of ATMs on the SUM® and MoneyPass® networks, plus up to $10 per cycle in surcharge reimbursement.1

A gift for switching

A free gift at account opening, plus buy-back of up to $10 in unused checks and debit cards from your old bank.*

Three personal accounts

Find the account that fits your life.

Most popular

Completely Free

$0 a month · $10 to open

No monthly maintenance service charge*

No minimum balance needed to avoid it

Up to $10 per cycle in ATM surcharge reimbursement1

Free, and earns

Easy Interest

$0 a month · $10 to open

No monthly maintenance service charge*

No minimum balance needed to avoid it

Earns interest on your balance*

Higher balances

Premier Interest

$10 a month · $10 to open

Monthly service charge waived with a $1,500 minimum balance*

Earns interest on your balance*

Same digital tools and ATM access

Checking is the front door

What you build behind it is up to you... we're the same bank either way.

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If this is your first account

A place to start clean

Ten dollars opens it, no minimum balance to keep up with, and free Student Checking for 13–24 year olds.*

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If you're switching banks

Nothing to work around

Our Switch Kit moves your direct deposit and automatic payments, and we buy back your unused checks.*

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If you're building a household

Room to grow into

Add a mortgage, a home equity line, or a CD when you're ready — decided locally, by people you can meet.

A family celebrating in their new home among moving boxes

If you've been here a while

The same people, still answering

A mutual bank with no shareholders to pay, so every dollar earned goes back into the bank and these towns.

The Winchester Savings Bank main office at 661 Main Street in Winchester

The main office — 661 Main Street, Winchester — where the bank has been since 1979.

Strength · Service · Community

Incorporated in 1871. Still independent.

Winchester Savings Bank opened its doors on August 26, 1871 and took in $11,058 on the first day. More than 150 years later we are still an independent, mutual, state-chartered bank — directed by local trustees, with every dollar of profit reinvested here rather than paid out to shareholders.

Placeholder · Winchester customer

“Replace with an approved customer quote. Two lines is the right length for this card.”

Placeholder · Woburn customer

“Replace with an approved customer quote — ideally one about switching from a big bank.”

Placeholder · Arlington customer

“Replace with an approved customer quote — ideally one naming a branch or an employee.”

Locations & hours

Winchester, Woburn, Arlington, and Danvers.

Branch hours are generally 9:00am–5:00pm Monday through Friday and 9:00am–12:30pm Saturday, and vary by location. Call (781) 729-2130 to confirm before you visit.

Winchester

Main Office

661 Main Street, Winchester, MA 01890

Woburn

Horn Pond Plaza

344 Cambridge Road, Woburn, MA 01801

Woburn

Woburn Center

375 Main Street, Woburn, MA 01801

Arlington

Arlington Office

188 Medford Street, Arlington, MA 02474 — on the Arlington/Medford line

Danvers

Danvers Office

44 Maple Street, Danvers, MA 01923

Wakefield · Coming soon

Wakefield Office

191 Albion Street, Wakefield, MA 01880 — confirm the opening date before publishing

Open in minutes

Free checking that stays free.*

Open your account online with as little as $10, or stop into any of our branches in Winchester, Woburn, Arlington, and Danvers.

Open an account Call (781) 729-2130
Winchester Savings Bank

Strength | Service | Community

661 Main Street, Winchester, MA 01890

(781) 729-2130 · winchestersavings.com

Winchester | Woburn | Arlington | Danvers

Important disclosures

* A $10 deposit is required to open any personal checking account. Completely Free Checking and Easy Interest Checking have no monthly maintenance service charge and no minimum balance is needed to avoid one. Premier Interest Checking has a $10 monthly maintenance service charge, waived with a $1,500 minimum balance. Easy Interest and Premier Interest Checking earn interest; rates are variable and subject to change — refer to the current rate sheet. Free gift is provided at the time of account opening and may be reported on a 1099-INT or 1099-MISC; offer good on personal accounts only. Buy-back of debit cards and unused checks from another financial institution is up to $10 and given at the time the checks or cards are presented. Student Checking is available exclusively to 13–24 year olds; if the primary account holder is under 18, a parent or guardian must be a joint owner, and the account automatically converts to a Free Checking Account when the primary account holder turns 25. Other fees such as non-sufficient funds and overdraft fees may apply. For complete information, please refer to our Schedule of Service Charges, the Understanding Your Deposit Account disclosure, and the current rate sheet. Bank rules and regulations apply. Products are subject to change at any time.

1 Surcharges are charged by other banks when you use your WSB ATM/Debit Card at their ATMs. Transactions at ATMs that are part of the SUM® and/or MoneyPass® networks do not incur surcharges. Look for the SUM and MoneyPass logos on any non-WSB ATMs you use; visit their respective websites for ATM locations. ATM surcharge reimbursement of up to $10 per statement cycle requires enrollment in eStatements.

Online and mobile banking, Bill Pay, Zelle®, and eStatements require enrollment. Message and data rates from your mobile carrier may apply. Debit card issuance is subject to approval, and purchase and withdrawal limits apply. Must be 18 years or older to open an account online. For Apple Pay, download the app from the App Store or visit apple.com/apple-pay; Apple Pay is a trademark of Apple Inc. For Google Pay, visit pay.google.com/about; Google Pay is a trademark of Google LLC. For Samsung Pay, visit samsung.com/pay; Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Zelle® and the Zelle® related marks are property of Early Warning Services, LLC.

Branch lobby and drive-up hours vary by location and are subject to change. Please call ahead to confirm. Deposits are insured in full — FDIC insurance to applicable limits, with all deposits above those limits insured by the Depositors Insurance Fund (DIF).

Member FDIC · Depositors Insurance Fund · Equal Housing Lender

© 2026 Winchester Savings Bank · NMLS# 404972