US Bank Directory
Banks in Watertown, WI
6 FDIC-insured banks operate 7 offices in Watertown, Wisconsin, and 3 credit unions have 3 offices.
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 10 locations in Watertown, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 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: Ixonia Bank has the most locations in Watertown, with 2. The other 5 each 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.
Ixonia Bank Bank · 2
Ixonia Bank has 2 branches in Watertown, 7 across Wisconsin and 7 nationwide. FDIC records list its main office in Ixonia, WI and show it operating since 1918. With $1.08 billion in total assets on June 30, 2026, it ranks No. 982 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Watertown location is the Watertown Branch at 109 Oakridge Ct, dating to 1990; the newest, at 1725 S Church St, to 1997. It does not publish hours in the sources this page uses; check its site before you go.
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Watertown Branch109 Oakridge Ct, 53094
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Church Street Branch1725 S Church St, 53094
Associated Bank Bank · 1
Associated Bank has 1 branch in Watertown, 136 across Wisconsin and 218 nationwide. FDIC records list its main office in Green Bay, WI and show it operating since 1874. With $51.76 billion in total assets on June 30, 2026, it ranks No. 49 of 4,232 U.S. banks by total assets. The Watertown Downtown Branch at 600 Main Street dates to 1920 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 Downtown Branch600 Main Street, 53094
Bank First Bank · 1
Bank First has 1 branch in Watertown, 35 across Wisconsin and 38 nationwide. FDIC records list its main office in Manitowoc, WI and show it operating since 1894. With $5.94 billion in total assets on June 30, 2026, it ranks No. 255 of 4,232 U.S. banks by total assets. The Watertown Branch at 104 W Main St dates to 1913 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 Branch104 W Main St, 53094
Bank of Lake Mills Bank · 1
Bank of Lake Mills has 1 branch in Watertown, 2 across Wisconsin and 2 nationwide. FDIC records list its main office in Lake Mills, WI and show it operating since 1893. With $533.8 million in total assets on June 30, 2026, it ranks No. 1,717 of 4,232 U.S. banks by total assets. The Watertown Branch at 400 Bernard St dates to 2010 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 Branch400 Bernard St, 53094
BMO Bank · 1
BMO has 1 branch in Watertown, 145 across Wisconsin and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. The Watertown Branch at 205 N 2nd St dates to 1854 in FDIC branch records. It opens on Saturday.
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Watertown Branch205 N 2nd St, 53094
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Fort Community Credit Union Credit union · 1
Fort Community Credit Union has 1 office in Watertown, 6 across Wisconsin. It is based in Fort Atkinson, WI and $419.3 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Watertown Branch633 S Church St, 53094
All hours
Mon to Fri 8 am to 5 pm; Sat 8 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Landmark Credit Union Credit union · 1
Landmark Credit Union has 1 office in Watertown, 37 across Wisconsin. It is based in Brookfield, WI and $7.73 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Watertown1901 Market Way, 53094
All hours
Mon to Fri 9 am to 7 pm; Sat 9 am to 3 pm; Sun 9 am to 2 pm
Hours: NCUA, March 31, 2026
State Bank of Reeseville Bank · 1
State Bank of Reeseville has 1 branch in Watertown, 3 across Wisconsin and 3 nationwide. FDIC records list its main office in Reeseville, WI and show it operating since 1902. With $169.5 million in total assets on June 30, 2026, it ranks No. 3,191 of 4,232 U.S. banks by total assets. The Watertown Branch at 1312 W Main St dates to 1994 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 Branch1312 W Main St, 53098
Summit Credit Union Credit union · 1
Summit Credit Union has 1 office in Watertown, 57 across Wisconsin. It is based in Madison, WI and $8.30 billion 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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Watertown Mortgage Loan Branch1610 S Church St, 53094
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Watertown
3 credit unions have 3 offices here: Summit Credit Union, Landmark Credit Union and Fort Community 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: 6 banks run 7 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 6 banks, 0 have their main office in Watertown, 5 elsewhere in Wisconsin and 1 out of state, according to the FDIC.
The bank with the longest record here is Associated Bank, operating since 1874 according to the FDIC. In FDIC branch records, the longest-running branch is BMO's office at 205 N 2nd St, dating to 1854; the newest is Bank of Lake Mills's at 400 Bernard St, from 2010.
3 credit unions have 3 offices in Watertown, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 3 open on Saturday. 6 locations have no published hours in these sources.
Banks by ZIP code in Watertown
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 53094 has the most bank and credit union offices in Watertown (9), followed by 53098 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 53094 | 9 | 8 | Ixonia Bank, Associated Bank, BMO |
| 53098 | 1 | 1 | State Bank of Reeseville |
Banks and credit unions open on Saturday in Watertown
Short answer: 3 of the 4 Watertown locations with published hours open on Saturday, run by 3 institutions.
- BMO: 1 of 1 branch (205 N 2nd St: Saturday 9 am to 12 pm)
- Landmark Credit Union: 1 of 1 office (1901 Market Way: Saturday 9 am to 3 pm)
- Fort Community Credit Union: 1 of 1 office (633 S Church St: Saturday 8 am to 12 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; 6 of the 10 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: BMO (1). No branches in Watertown: Chase (nearest in Oconomowoc, 13 mi), Wells Fargo (nearest in Pewaukee, 26 mi), Bank of America, PNC Bank (nearest in Pewaukee, 26 mi), U.S. Bank (nearest in Oconomowoc, 15 mi), Truist, Fifth Third Bank, Huntington (nearest in Elm Grove, 35 mi), Regions Bank, TD Bank.
| Bank | In Watertown | Nearest branch if none here |
|---|---|---|
| BMO | 1 branch | here |
| Chase | None | Oconomowoc, 13 miles away |
| Wells Fargo | None | Pewaukee, 26 miles away |
| Bank of America | None | none in Wisconsin |
| PNC Bank | None | Pewaukee, 26 miles away |
| U.S. Bank | None | Oconomowoc, 15 miles away |
| Truist | None | none in Wisconsin |
| Fifth Third Bank | None | none in Wisconsin |
| Huntington | None | Elm Grove, 35 miles away |
| Regions Bank | None | none in Wisconsin |
| TD Bank | None | none in Wisconsin |
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 Wisconsin.
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 Johnson Creek (8 miles) and Lake Mills (12 miles). Oconomowoc, 14 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Johnson Creek, WI | 8 mi | 2 | 2 |
| Banks in Lake Mills, WI | 12 mi | 3 | 4 |
| Banks in Jefferson, WI | 14 mi | 3 | 3 |
| Banks in Oconomowoc, WI | 14 mi | 8 | 13 |
| Banks in Columbus, WI | 18 mi | 2 | 3 |
| Banks in Fort Atkinson, WI | 19 mi | 3 | 4 |
| Banks in Cambridge, WI | 20 mi | 2 | 2 |
| Banks in Beaver Dam, WI | 20 mi | 6 | 8 |
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.
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: BMO is the largest bank with offices in Watertown, with $254.97 billion in total assets on June 30, 2026, No. 16 among U.S. banks by total assets. Associated Bank is second with $51.76 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| Associated Bank | $51.76 billion | No. 49 | 1 | Green Bay, WI |
| Bank First | $5.94 billion | No. 255 | 1 | Manitowoc, WI |
| Ixonia Bank | $1.08 billion | No. 982 | 2 | Ixonia, WI |
| Bank of Lake Mills | $533.8 million | No. 1,717 | 1 | Lake Mills, WI |
| State Bank of Reeseville | $169.5 million | No. 3,191 | 1 | Reeseville, WI |
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, WI?
Watertown has 6 banks with 7 branches and 3 credit unions with 3 offices, 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?
Ixonia Bank, with 2. BMO has 1 and Associated Bank has 1.
Is there a Ixonia Bank in Watertown, WI?
Yes. FDIC data lists 2 Ixonia Bank branches in Watertown as of September 5, 2026. Its branches are listed under Ixonia Bank above, with the address and directions for each.
Is there a BMO in Watertown, WI?
Yes. FDIC data lists 1 BMO branch in Watertown as of September 5, 2026. The address and directions are under BMO above.
Is there a Associated Bank in Watertown, WI?
Yes. FDIC data lists 1 Associated Bank branch in Watertown as of September 5, 2026. The address and directions are under Associated Bank above.
Is there a Chase in Watertown, WI?
No. FDIC data lists no Chase branch in Watertown as of September 5, 2026. The nearest is in Oconomowoc, about 13 miles away in a straight line.
Which banks in Watertown are open on Saturday?
BMO, Landmark Credit Union and Fort Community Credit Union publish Saturday hours for one or more Watertown locations. The Saturday section above lists each one with its hours. 6 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Watertown?
Associated Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1874.
Which credit unions can I join in Watertown?
Summit Credit Union, Landmark Credit Union and Fort Community Credit Union have offices 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 Johnson Creek, Lake Mills, Jefferson. Johnson Creek is 8 miles away with 2 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 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 7 branches: BMO) | 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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