We're here to help! (845) 457-7700 or Email Us.


 
Personal Banking | Checking, Savings, Retirement, Consumer and Club Accounts

Personal BankingPersonal Banking

For more than 140 years, Walden Savings Bank has served the financial needs of our community. From simple checking accounts to new home mortgages, Walden Savings Bank is here to assist you with making your dreams a reality.

 

Checking Accounts

If you're looking for an affordable checking account that doesn't have a multitude of service charges attached to it, then Walden Savings Bank is the place for you. We offer many options for your checking account needs. Read more below or click here to compare.

Advantage Checking

For those who prefer a tiered account with a higher return and increased liquidity.
Features:

  • Free Advantage Checking Debit Mastercard® - with increased limits available
  • Bill-Pay available
  • e-statements and Mobile App available
  • Free unlimited account access by telephone or online
  • Unlimited check writing and ACH transactions
  • ATM Refunds - we will refund the foreign ATM transaction fees up to $10 per month
  • $5,000 minimum deposit to open
  • Complimentary 1st order of checks
  • Overdraft protection plan of your choice (credit approval required)
  • Competitive interest rates on tiers
  • Foreign ATM service charges waived at non-WSB ATMs.
  • No POS fees
  • $25 monthly fee waived if balance over $5,000 is maintained
  • Free 3 X 5 safe deposit box for one year
  • Free money orders and bank checks

Super NOW checking

A full-service checking account that provides interest when you maintain a minimum balance.
Features:

  • Free ATM Card or Debit Mastercard®
  • Bill-Pay available
  • e-statements and Mobile App available
  • Free unlimited account access by telephone or online
  • No monthly service charge
  • Unlimited check writing and ACH transactions
  • No minimum balance requirement
  • Interest is paid on balances over $5,000
  • Bank does not return cancelled checks, but does provide copies upon request for a nominal fee. Free copies can also be obtained online at “Waldenwebank”
  • $25 minimum deposit to open

55+ Checking

A full service checking account specifically designed for customers age 55 and over.
Features:

  • Free ATM Card or Debit Mastercard®
  • Bill-Pay available
  • e-statements and Mobile App available
  • Free unlimited account access by telephone or online
  • No monthly service charge
  • Unlimited check writing and ACH transactions
  • No minimum balance requirement
  • Complimentary 1st order of checks
  • Provides images of all checks you write with your monthly statement
  • $25 minimum deposit to open

College Advantage

Designed for college students - easy access to funds and banking on the go.
Features:

  • Free ATM Card or Debit Mastercard®
  • Bill Pay available
  • Monthly e-statement
  • Mobile App available
  • Free unlimited account access by telephone or online
  • No monthly service charge
  • No minimum balance requirement
  • Foreign ATM surcharge fees waived*
  • Interest is paid on balances over $5,000
  • $25 minimum deposit to open

*The Bank will waive $12 per month for foreign ATM surcharge fees. The charges will be waived during nightly processing on the date of the transaction. Students aged 16 & 17 are required to have a parent or guardian as a joint account holder. The account will transfer to a Super Now Account when the student reaches their 24th birthday.

Overdraft Protection (Line of Credit)

Have you ever experienced the embarrassment of having a check returned on your checking account? With Walden Savings Bank’s overdraft line of credit your available credit limit is accessed whenever there are insufficient funds in your checking account. This eliminates the expenses associated with returned check fees.
Features:

  • Line is advanced in increments of $100.
  • Minimum credit line is $2,500.
  • Monthly payments are automatically deducted from your Walden Savings Bank checking account
  • No annual fee
  • Fixed annual percentage rate

Savings Accounts

Whether you are saving for a special vacation, tuition or retirement Walden Savings Bank has many savings account options to meet your individual needs. What can we do for you?

Advantage Savings

For those individuals who prefer a tiered account with a higher return and increased liquidity.
Features:

  • Unlimited deposits, in-branch withdrawals/transfers each statement cycle
  • Pre-authorized and telephone transfers are limited to six per statement cycle - A $15 fee will be charged for each transfer processed in excess of 6 per statement cycle
  • No monthly service charges
  • $50.00 minimum balance to earn interest
  • $10,000 minimum balance to open
  • Free ATM Card
  • Free unlimited account access by telephone or online with our "OnCall Banking" or "Waldenwebank"
  • Monthly or quarterly statement depending on activity
  • Competitive interest rates on tiers

Statement Savings

For those individuals who would like to access the account via an ATM card, telephone or online.
Features:

  • Unlimited deposits, withdrawals, and in-branch transfers each statement cycle
  • Pre-authorized and telephone transfers are limited to six per statement cycle - A $15 fee will be charged for each transfer processed in excess of 6 per statement cycle
  • $50.00 minimum balance to earn interest
  • $50.00 minimum balance to open
  • $3.00 monthly service charge if monthly average balance falls below $50
  • Free ATM Card
  • Free unlimited account access by telephone or online with our "OnCall Banking" or "Waldenwebank"
  • Monthly statement
  • Competitive interest rate

Passbook Savings

For those individuals who want all their transactions recorded in a passbook.
Features:

  • Unlimited deposits, withdrawals, and in-branch transfers each month
  • $50.00 minimum balance to earn interest
  • $50.00 minimum balance to open
  • $3.00 monthly service charge if monthly average balance falls below $50

Money Market Deposit

Walden Savings Bank's Money Market Deposit Account provides ease of access and liquidity.
Features:

  • Interest is paid on tiered balances
  • $100.00 minimum amount to open account
  • $100.00 minimum balance to earn interest
  • Monthly statement with account activity
  • Free ATM Card or Debit Mastercard®
  • Allowed 6 pre-authorized transfers from your account per statement cycle, including payment to third parties by check, draft, ATM card or similar instrument. A $15 fee will be charged for each transfer processed in excess of 6 per statement cycle.
  • No monthly service charges
  • No minimum deposit or withdrawal limit

School Savings Program

To teach children the value of saving, Walden Savings Bank has implemented a School Savings Program in many of the schools in the communities where our branches are located. We currently service a total of 15 schools - another example of how a community bank can help make the local community a better place to live and work. The program features the following accounts:

Savings Account

  • $1.00 minimum to open
  • $5.00 minimum to earn the disclosed annual percentage yield
  • Competitive interest rate

Certificate Account

  • $500 minimum to open
  • Fixed interest rate for term – see Deposit Rates for current rates and terms
  • Automatic renewal at maturity, unless otherwise directed
  • A penalty may be imposed for early withdrawal

Certificates of Deposit

Looking for a longer-term fixed-rate deposit product? Walden Savings Bank has a variety of time deposits to offer you, with terms ranging from 3 months to 5 years. All of our certificates of deposit are available as Individual Retirement Accounts.
Features:

  • Fixed interest rate for the term
  • $1,000.00 minimum deposit amount
  • Automatic renewal at maturity, unless otherwise directed
  • Offered as a Passbook or Statement Account
  • A penalty may be imposed for early withdrawals

Individual Retirement Accounts

It's never too early to plan for your retirement. Let your retirement funds grow tax-deferred in an IRA at Walden Savings Bank. We offer Traditional, Roth and Coverdell IRA's which provide you with all the essential services from opening your tax-qualified plan to distributing funds to you upon retirement. All of our savings and certificate accounts are available as IRAs. See Deposit Rates for current rates and terms.

Consumer Loans

Walden Savings Bank has a variety of affordable consumer loans for just about any need from a new car to a much-needed vacation. Not only do we offer some of the best rates around, but as a local community bank, we pride ourselves on the high level of personal service we give our customers.

Automobile Loans

Let Walden Savings Bank put you behind the wheel of the new or used car of your dreams. Our highly competitive loan rates and fast, courteous service will get you on the road in no time!

  • 100% financing on new automobiles - excludes dealer prep and applicable taxes
  • 95% of purchase price or book value, whichever is lower, on used automobiles (5% down payment required)
  • Competitive fixed interest rates and flexible terms
  • Receive a rate reduction of .25% if payment is automatically deducted from a WSB checking or statement account
  • Minimum loan amount - $2,500
  • Use our Loan Calculator to determine your monthly payment

Recreational Vehicle Loans

Walden Savings Bank also extends its favorable loan terms to other new or used vehicles, like motorcycles, recreational vehicles and boats.

  • 90% financing on new
  • 80% of value on used
  • Competitive fixed interest rates and flexible terms
  • Receive a rate reduction of .25% if payment is automatically deducted from a WSB checking or statement account
  • Minimum loan amount - $2,500
  • Use our Loan Calculator to determine your monthly payment

Personal Loans

Planning a vacation, need money for a wedding, buying furniture? Consider a personal loan from Walden Savings Bank.

  • Competitive fixed interest rates and flexible terms
  • $500 minimum loan request - $5,000 maximum
  • Receive a rate reduction of .25% if payment is automatically deducted from a WSB checking or statement account
  • Use our Loan Calculator to determine your monthly payment

Passbook Loans

If you have a Passbook Savings Account or Time Deposit with us, you can use these funds as collateral to borrow from your account, instead of withdrawing your money. In this manner you can keep your account open and continue to earn interest.

  • Annual Percentage Rate on loans secured by a Passbook Savings Account is the Prime Rate published in the Wall Street Journal
  • Annual Percentage Rate on loans secured by a Time Deposit is the Prime Rate published in the Wall Street Journal plus 1%
  • No prepayment penalty
  • Need only pay interest on a quarterly basis

Student Loans

Student Loans

Club Accounts

Club accounts are for individuals who want to make regular periodic deposits for special occasions such as holiday gifts or vacations. Deposit just a few dollars a week or any amount you choose, and at maturity you will receive a check for the account balance plus interest earned. Walden Savings Bank offers both a Holiday Club and a Vacation Club.

Holiday Club

Walden Savings Bank's Holiday Club account is a great way to save throughout the year for holiday gifts.

  • Deposit any amount, anytime
  • Minimum opening balance is $1.00
  • Competitive interest rate
  • No service charges
  • Check is mailed to you at the end of the club year (usually in October) or automatically deposited to your Walden Savings Bank checking account
  • Club Deposits can be automatically transferred from another WSB account (enrollment required)

Vacation Club

Have the cash you need on hand for your hard-earned vacation. With Walden Savings Bank's Vacation Club you can save throughout the year.

  • Deposit any amount, anytime
  • Minimum opening balance is $1.00
  • Competitive interest rate
  • No service charges
  • Check is mailed to you at the end of the club year (usually in May) or automatically deposited to your Walden Savings Bank checking account
  • Club Deposits can be automatically transferred from another WSB account (enrollment required)

Retirement Accounts

It's never too early to plan for your retirement. Let your retirement funds grow tax-deferred in an IRA at Walden Savings Bank. We offer Traditional, Roth and Coverdell IRA's which provide you with all the essential services from opening your tax-qualified plan to distributing funds to you upon retirement.

FDIC Insured mastergreen
NMLS#: 490957©2003 - 2014 Walden Savings Bank. All rights reserved.