Watertown Savings Bank offers a range of depository and lending services for individuals, businesses and government agencies. It offers a variety of savings accounts that include money market, retirement money market and health savings accounts. The bank also offers various types of loans that include automobile, boat, personal, student and home equity loans. The bank s business-related services include asset management, business insurance, international banking and cash management. Additionally, it offers credit and debit cards, ATMs, Internet banking, wire transfers, and direct deposit and cash management services. Its online services include personal e-mail accounts, account statements, and online payment and transfer services. Watertown Savings Bank is headquartered in Watertown, N.Y.