Watertown Savings Bank is a community-oriented bank with a location in Watertown, Mass. The bank offers Direct, Senior and Depositor checking accounts. Its personal savings accounts include Passbook, Access and Presidential. The bank also provides money market accounts and certificates of deposit. It offers personal and business loans, including auto, home equity, commercial and real estate. The bank s additional services include touchtone banking, safe deposit boxes and wire transfers. Its business division provides Community and General Business checking accounts. The bank s Internet banking unit offers online statements, loan payment and reporting, money transfers, check management, cash concentrations and disbursement and electronic bill payment services. Watertown Savings Bank is a member of the Federal Deposit Insurance Corporation.