Online Checking Application

Things you'll need for this application
1) Your social security number
2) A photo ID
3) Proof of address, if different than what appears on your photo ID, like a utility bill.
Please note:  We only open a Cash Rewards Checking or Interest Rewards Checking for customers that either live or work in the contiguous areas around the Bank’s branches in Dracut and Lowell MA.

Choose Your Account and Features

If your account is approved and funded, will mail the debit card to your address within 7-10 business days with instructions to select your PIN.

We also have instant issue debit cards in each branch if that is more convenient.  Please let your CSR rep know if you would like to pick up the card in the branch versus waiting 7-10 business days by mail.

By submitting this application I am applying for a Washington Savings Bank Debit or ATM Card.  I understand the Debit Card is not a credit card and that the dollar amount of the purchases made with this card will be deducted from my Washington Savings Bank account.  I agree to be bound by the terms and conditions covered in the appropriate Disclosure Statement and Cardholder Agreement. As a stipulation to receiving a debit/ ATM card, I am specifically agreeing to the following:

1)To choose a PIN number that would only be known to me (i.e. not 1234, your birthday, etc.)

2) To NOT write or otherwise store this PIN number anywhere, especially on the back of the card.


You may add a joint owners to an account after account opening, using our conveient ADD JOINT OWNER form on our online form center.

Customer Information

Since we already have your information in our database, we only need to collect minimal information online. 
We will verify your request to open a new account with the information we have on file electornically and mail a confirmation to your address on file.
Things you'll need for this application
1) Your social security number
2) A photo ID
3) Proof of address if different that what appears on your photo ID, like a utility bill
Do you have a different mailing address? *

ID/ License Information & Upload

Note: You license issued date may be on the back of your license

Additional Customer Verification (a soft credit check will be pulled to verify answers)

Certification of Tax Status (only select one) *
ESIGN Consent *
Account Agreement and Compliance Disclosures *
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Opening Deposit

Debit/ Credit card deposit ($10 max)

Please enter your card information below for your $10 opening deposit. 
The card transaction will only be processed if your account application is approved. 
Invalid card information will result in an automatic account application denial.

Mail in a check

If approved, please mail your check to
Washington Savings Bank
30 Middlesex Street
Lowell, MA 01852
Attn: Online Dept

Visit a Branch

If approved, please visit a branch
Mon - Wed
9 a.m. - 4 p.m.
Thu - Fri
9 a.m. - 6 p.m.
9 a.m. - 3 p.m.
30 Middlesex Street
Lowell, MA 01852
(978) 458-7999
100 Broadway Road
Dracut, MA 01826
(978) 275-6000

Transfer from an existing Washington Savings account

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