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  • Loans
    Mortgage Rates Icon

    Calculate Your Mortgage Rate

    Are you thinking about purchasing a new home or refinancing your current home? TSB can create a customized rate based on your financial situation and goals.

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    Enjoy the debit card and money app for kids and teens-and so much more!

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  • Savings
    estatements icon

    eStatements

    Skip the paper cuts and save some green by signing up for eStatements

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    Already Bank With Us?

    Online Banking - Enroll today in online banking to keep an eye on your accounts from anywhere you have internet access.

    Mobile Banking - Manage your accounts, monitor spending, pay bills and more on the TSB mobile app.

    Paper-Free Statements - Switch to paperless documents to easily and securely access your account history.

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    Greenlight

    Enjoy the debit card and money app for kids and teens-and so much more!

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    • Ways to Bank
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Checking Accounts

Simplify Your Every Day

Checking That Moves With You

TSB’s personal checking account options are designed to align with your financial habits. Make life easier with convenient benefits and features no matter if you’re taking your first financial steps or looking to thrive during your golden years.

Compare Accounts
  • Compare
  • Free Perks
  • Ways to Open

Bank your way with
no monthly fees, digital
convenience, and local support.

Checking Bonus

Earn Up To $350!*

Limited time offer for new Journey Checking customers who complete qualifying activities.

Your Journey Awaits Decline Offer

Compare Checking Accounts

Journey CheckingAdvantage CheckingBankRight Checking
Minimum to Open $25.00$100.00$10.00
Minimum Balance to Earn Posted APY N/A$5.00N/A
Annual Percentage Yield N/A0.05%N/A
Interest Rate N/A0.05%N/A
Description

Our best checking account for each stage of your financial journey, ages 13† and up.

  • No Monthly Service Fee
  • Up to $15 Rebate on Other Banks’ ATM Fees Monthly
  • Overdraft Protection Options Available
  • Go Paperless! Waive Paper Statement Fee when Enrolled in eStatements

†For student accounts under the age of 18, a parent/legal guardian must be co-owner on account

An interest-bearing checking account to grow your money faster plus these benefits:

  • No Monthly Service Fee
  • Low $5 Minimum Balance to Earn Interest
  • Earns Compound Interest
  • Overdraft Protection Options Available
  • Free ATM Transactions*

A checkless basic bank account designed to develop strong money habits to help you build your financial comeback.

  • $5 Monthly Service Fee
  • Free ATM Transactions*
  • No NSF Fees or Overdraft Protection Options Available.
  • Go Paperless! Waive Paper Statement Fee when Enrolled in eStatements
APY as of: 11-04-2025

Journey Checking Details

$25.00 minimum opening deposit required. Primary account holder must meet age criteria. It is not the policy of Torrington Savings Bank to open a checking account for individuals under the age of 18, however, exceptions may be made on a case-by-case basis where a parent/legal guardian is a co-owner on the account.  Please contact us for additional information. eStatements are required with this account. Accounts without eStatements will be charged a monthly fee of $5.00. You must be at least 18 years of age to use Torrington Savings Bank Bill Pay. Please view Common Fee Schedule and our Consumer Account Terms and Conditions for complete product disclosure.

Common Fee Schedule Consumer Terms & Conditions

Advantage Checking Details

$100.00 minimum opening deposit required.  Your interest rate and annual percentage yield may change. Interest will be compounded daily and credited monthly. You must maintain a minimum balance of $5.00 each day to obtain the disclosed annual percentage yield. Click here to view current rates. Review Common Fee Schedule and Consumer Terms & Conditions for complete product disclosures.

*Free ATM transactions at Torrington Savings Bank ATMs. Torrington Savings Bank does not charge when you use your TSB Debit Card at another bank’s ATM. Please note other banks’ fees may apply. Withdraw cash without worry, find a surcharge free in network ATM here.

Common Fee Schedule Consumer Terms & Conditions

BankRight Checking Details

$10.00 minimum opening deposit required. eStatements are required for this account. Accounts without eStatements will be charged a monthly fee of $2.00. This is a checkless account. No NSF or overdraft fees will be posted to this account. Overdraft Protection Options not available for this account. Low monthly service fee of $5.00. Please view Common Fee Schedule and our Consumer Account Terms and Conditions for complete product disclosures.

*Free ATM transactions at Torrington Savings Bank ATMs. Torrington Savings Bank does not charge when you use your TSB Debit Card at another bank’s ATM. Please note other banks’ fees may apply. Withdraw cash without worry, find a surcharge free in network ATM here.

 

Common Fee Schedule Consumer Terms & Conditions
Open Now

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OPEN NOW

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How to Open

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TSB Debit Card

TSB Mastercard® Debit card

Pay for purchases, withdraw funds at ATMs, make deposits, check balances or transfer funds at TSB ATM locations.

FREE1 Perks Included With Every TSB Checking Account:

Enjoy these perks included with every TSB Checking account. As your local community bank, we’re committed to empowering your financial wellness with more than just the basics.

Simply enroll and start enjoying the perks - at no cost to you.

Improve Your Credit

Monitor your score, set goals, and use tools like score simulators to hit your desired credit score.

Learn More

Financially Empower Young Minds

Equip your kids and teens with real world experiences that builds skills to earn, save, and spend.

Learn More

Your Finances One Place

Gain financial clarity when you link all your accounts in our secure Money Manager platform.

Learn More

Surcharge-Free ATM Access

Skip the fees with access to a network of ATMs nationwide when you use your TSB Mastercard Debit card.

Learn More

Refer a Friend, Earn Rewards

Invite friends to open a personal checking account — you both get $50 when they join. Start referring!

Learn More

Save While You Spend

Use your TSB Mastercard Debit card and watch your savings grow. Shopping and saving have never been easier.

Learn More

Everyday Basics with a TSB Checking Account:

  • Online Banking
  • Card Controls
  • Telephone Banking
  • Mobile Banking App
  • Paper-Free Statements
  • Contactless TSB Debit Mastercard

Ways to Open

In Branch:

Any type of Account, Any location, No Appointment Needed

Find Locations

Online:

Open an individual or joint personal checking or personal savings account online in about 10 minutes.

Open Now

What You Need:

We’ll need some information and identification to help you open your account, along with your initial deposit.

What You Need
1. Greenlight Details:

The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

* Torrington Savings Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their Torrington Savings Bank personal checking account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Offer ends 02/27/27. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer subject to change or renewal.

Card images shown are illustrative and may vary from the card you receive.

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      • First Time Homebuyers
      • Buyer’s Boost
      • Conventional Mortgage
      • Refinance
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    • Contact a Residential Lender
    • Mortgage Calculators
    • Home Equity Comparison
      • Home Equity Loan
      • Home Equity Line of Credit
    • Personal Loans
      • Collateral Secured Loans
      • Home Improvement Personal Loan
      • Life Loan
      • Overdraft Line of Credit
  • Checking

    • Compare Checking Accounts
      • Journey Checking
      • Advantage Checking
      • BankRight Checking
    • Greenlight Debit Card For Kids
    • Debit Cards
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      • Lost or Stolen Cards
      • Digital Wallet
      • Overdraft Protection
  • Savings

    • Compare Savings Accounts
      • Journey Savings
      • Advantage Money Market
      • First Time Savers
      • Build Your Own Club
    • Additional Savings Options
      • Certificates of Deposit (CD)
      • Health Savings Account (HSA)
      • IRA
  • Credit Cards

    Tools & Resources

    • Ways to Bank
      • Online Banking
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      • ATM
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    • Plan Your Financial Future
      • Monitor Credit Score
      • Personal Finance Manager
      • Greenlight for Kids and Teens
      • Education Center
    • Manage Your Money
      • Card Controls
      • Bill Pay
      • Paperless Documents
      • Digital Wallet
      • Round Up Savings Program
    • Help & Support
      • Lost or Stolen Card
      • FAQs
      • Support
      • Make An Appointment
      • Switch Kit
    • Rewards
      • Refer a Friend

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ROUTING #211174165/NMLS #404919

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