US Bank Directory
Banks in Watertown, MA
8 FDIC-insured banks operate 13 offices in Watertown, Massachusetts, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Watertown
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 9 banks and credit unions operate 14 locations in Watertown, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Watertown
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Watertown Savings Bank has the most locations in Watertown, with 5. It is followed by Citizens (2). 6 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Watertown Savings Bank Bank · 5
Watertown Savings Bank has 5 branches in Watertown, 10 across Massachusetts and 10 nationwide. FDIC records list its main office in Watertown, MA and show it operating since 1870. With $1.44 billion in total assets on June 30, 2026, it ranks No. 772 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Watertown location is its main office at 60 Main St, dating to 1870; the newest, at 739 Main St, to 1995. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office60 Main St, 02472
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East Watertown Branch10 Bigelow Ave, 02472
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Nonantum Branch175 Watertown St, 02472
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Watertown Square Drive Up Branch45 Church St, 02472
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Warrendale Branch739 Main St, 02472
Citizens Bank · 2
Citizens has 2 branches in Watertown, 179 across Massachusetts and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Watertown location is the Watertown Branch at 631 Mount Auburn St, dating to 1873; the newest, at 171 Watertown St, to 2005. All 2 of its Watertown locations with published hours open on Saturday.
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Stop & Shop Watertown Branch171 Watertown St, 02472
All hours
Mon to Fri 10 am to 5 pm; Sat 10 am to 3 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
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Watertown Branch631 Mount Auburn St, 02472
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Watertown, 146 across Massachusetts and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Watertown Square Branch at 39 Main St dates to 1953 in FDIC branch records. It opens on Saturday.
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Watertown Square Branch39 Main St, 02472
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Cambridge Savings Bank Bank · 1
Cambridge Savings Bank has 1 branch in Watertown, 21 across Massachusetts and 21 nationwide. FDIC records list its main office in Cambridge, MA and show it operating since 1834. With $6.98 billion in total assets on June 30, 2026, it ranks No. 222 of 4,232 U.S. banks by total assets. The Watertown Branch at 54 Arsenal St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Watertown Branch54 Arsenal St, 02472
Chase Bank · 1
Chase has 1 branch in Watertown, 99 across Massachusetts and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Watertown Mall at 550 Arsenal St dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Watertown Mall550 Arsenal St, 02472
Eastern Bank Bank · 1
Eastern Bank has 1 branch in Watertown, 113 across Massachusetts and 134 nationwide. FDIC records list its main office in Boston, MA and show it operating since 1989. With $31.13 billion in total assets on June 30, 2026, it ranks No. 70 of 4,232 U.S. banks by total assets. The Watertown Square Branch at 1 Church St dates to 2000 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Watertown Square Branch1 Church St, 02472
M&T Bank Bank · 1
M&T Bank has 1 branch in Watertown, 62 across Massachusetts and 960 nationwide. FDIC records list its main office in Buffalo, NY and show it operating since 1856. With $218.79 billion in total assets on June 30, 2026, it ranks No. 21 of 4,232 U.S. banks by total assets. The Watertown Square Branch at 53 Mount Auburn St dates to 2001 in FDIC branch records. Its published hours do not list Saturday.
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Watertown Square Branch53 Mount Auburn St, 02472
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
Santander Bank · 1
Santander has 1 branch in Watertown, 130 across Massachusetts and 368 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1907. With $103.96 billion in total assets on June 30, 2026, it ranks No. 32 of 4,232 U.S. banks by total assets. The Watertown Branch at 545 Arsenal St dates to 1934 in FDIC branch records. It opens on Saturday.
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Watertown Branch545 Arsenal St, 02472
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: Santander branch locator (All The Places), checked Oct 10, 2026
Watertown Municipal Credit Union Credit union · 1
Watertown Municipal Credit Union has 1 office in Watertown, 1 across Massachusetts. It is based in Watertown, MA and $9.9 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office149 Main St, 02472
All hours
Mon to Fri 9 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Watertown
1 credit union has 1 office here: Watertown Municipal Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Watertown page has every office in the state's directory.
Banking in Watertown: the local picture
Short answer: 8 banks run 13 branches in Watertown according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 8 banks, 1 has its main office in Watertown, 2 elsewhere in Massachusetts and 5 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Watertown Savings Bank's office at 60 Main St, dating to 1870; the newest is Chase's at 550 Arsenal St, from 2019.
The only credit union with an office here is Watertown Municipal Credit Union.
Of the 6 locations with published hours. 4 open on Saturday. 8 locations have no published hours in these sources.
Banks open on Saturday in Watertown
Short answer: 4 of the 6 Watertown locations with published hours open on Saturday, run by 3 institutions.
- Citizens: 2 of 2 branches (171 Watertown St: Saturday 10 am to 3 pm, and 1 more)
- Bank of America: 1 of 1 branch (39 Main St: Saturday 9 am to 2 pm)
- Santander: 1 of 1 branch (545 Arsenal St: Saturday 9 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 8 of the 14 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Watertown, and where the nearest one is if they do not.
Short answer: In Watertown: Chase (1), Bank of America (1). No branches in Watertown: Wells Fargo (nearest in Boston, 6 mi), PNC Bank (nearest in Chestnut Hill, 3 mi), U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Brighton, 2 mi), BMO.
| Bank | In Watertown | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Bank of America | 1 branch | here |
| Wells Fargo | None | Boston, 6 miles away |
| PNC Bank | None | Chestnut Hill, 3 miles away |
| U.S. Bank | None | none in Massachusetts |
| Truist | None | none in Massachusetts |
| Fifth Third Bank | None | none in Massachusetts |
| Huntington | None | none in Massachusetts |
| Regions Bank | None | none in Massachusetts |
| TD Bank | None | Brighton, 2 miles away |
| BMO | None | none in Massachusetts |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Watertown to the nearest branch in Massachusetts.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Watertown residents like anyone else.
Banks near Watertown
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Brighton (2 miles) and Belmont (2 miles). Belmont, 2 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Brighton, MA | 2 mi | 6 | 6 |
| Banks in Belmont, MA | 2 mi | 11 | 12 |
| Banks in Newtonville, MA | 2 mi | 8 | 8 |
| Banks in Allston, MA | 2 mi | 3 | 3 |
| Banks in Newton Center, MA | 3 mi | 4 | 4 |
| Banks in Newton, MA | 3 mi | 8 | 12 |
| Banks in Chestnut Hill, MA | 3 mi | 7 | 8 |
| Banks in Brookline, MA | 3 mi | 8 | 14 |
Bank branch openings and closings in Watertown
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Watertown between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Watertown
Short answer: 2 institutions have their main office in Watertown: Watertown Savings Bank and Watertown Municipal Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Watertown Savings Bank | Bank | $1.44 billion | 5 |
| Watertown Municipal Credit Union | Credit union | $9.9 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Watertown by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Watertown offices.
Short answer: Chase is the largest bank with offices in Watertown, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. 1 of the 8 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Citizens | $232.52 billion | No. 20 | 2 | Providence, RI |
| M&T Bank | $218.79 billion | No. 21 | 1 | Buffalo, NY |
| Santander | $103.96 billion | No. 32 | 1 | Wilmington, DE |
| Eastern Bank | $31.13 billion | No. 70 | 1 | Boston, MA |
| Cambridge Savings Bank | $6.98 billion | No. 222 | 1 | Cambridge, MA |
| Watertown Savings Bank | $1.44 billion | No. 772 | 5 | Watertown, MA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Watertown: FAQ
How many banks are in Watertown, MA?
Watertown has 8 banks with 13 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Watertown?
Watertown Savings Bank, with 5. Citizens has 2 and Chase has 1.
Is there a Citizens in Watertown, MA?
Yes. FDIC data lists 2 Citizens branches in Watertown as of September 5, 2026. Its branches are listed under Citizens above, with the address and directions for each.
Is there a Chase in Watertown, MA?
Yes. FDIC data lists 1 Chase branch in Watertown as of September 5, 2026. The address and directions are under Chase above.
Is there a Wells Fargo in Watertown, MA?
No. FDIC data lists no Wells Fargo branch in Watertown as of September 5, 2026. The nearest is in Boston, about 6 miles away in a straight line.
Which banks in Watertown are open on Saturday?
Citizens, Bank of America and Santander publish Saturday hours for one or more Watertown locations. The Saturday section above lists each one with its hours. 8 of the 14 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Watertown?
Watertown Savings Bank and Watertown Municipal Credit Union have their main office in Watertown, according to the FDIC and the NCUA.
What is the oldest bank in Watertown?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Watertown?
Watertown Municipal Credit Union has an office in Watertown. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Watertown in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Watertown?
Nearby cities with more banks include Brighton, Belmont, Newtonville. Brighton is 2 miles away with 6 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Bank branch hours, phones and branch pages (5 of 13 branches: Bank of America, Citizens, M&T Bank, Santander) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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