Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Watertown, NY
11 branches of 5 FDIC-insured banks operate in Watertown. Data: FDIC BankFind, as of June 30, 2026. There are also 1 payday, installment and title loan stores of 1 chains in Watertown — about 11.0 bank branches for every loan store.
- Bank branches
- 11
- Payday & loan stores
- 1
- Banks
- 5
- Loan store chains
- 1
- Bank branches per 100k
- 21.4
- Loan stores per 100k
- 1.9
Payday and installment loan stores in Watertown
Addresses and phone numbers of storefront lenders in Watertown. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1063B Arsenal St Watertown, NY 13601 | (315) 785-9217 | — | 3.9 |
Bank branches in Watertown
| Address | Branch | Type |
|---|---|---|
| 111 Clinton St Watertown, NY 13601 | Watertown Savings Bank Main office | Full service |
| 101 Commerce Park Dr Watertown, NY 13601 | Watertown Branch | Full service |
| 111 Clinton St Watertown, NY 13601 | Wsb Municipal Bank Branch | Drive-thru |
| 140 Clinton St Watertown, NY 13601 | Clinton Street Branch | Drive-thru |
| 1816 State Street Watertown, NY 13601 | State Street Branch | Full service |
| 1125 Arsenal St Watertown, NY 13601 | Watertown 1125 Arsenal St Branch | Full service |
| 216 Washington St Watertown, NY 13601 | Watertown 216 Washington St Branch | Full service |
| 200 Washington St Watertown, NY 13601 | Watertown Main Branch | Full service |
| 20974 State Route 3 Watertown, NY 13601 | Arsenal Street Branch | Full service |
| 146 Arsenal St, Ste 11 Watertown, NY 13601 | Watertown Branch | Full service |
| 111 Clinton St Watertown, NY 13601 | Wsb Municipal Bank Main office | Full service |
More about Watertown
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.