Red Alert ⚠︎IMPORTANT FRAUD ALERT: Fraud attempts are increasing, and scammers are impersonating AmeriCU. We will never call, text, or email asking for your online banking credentials, password, PIN, account number, or verification code. If you receive a suspicious communication, stop the conversation and contact AmeriCU directly at 800-388-2000. Close

Watertown Financial Center

871 Arsenal Street

Watertown, NY 13601

  • Financial Center Hours

  • Monday 9:00 AM – 4:00 PM
  • Tuesday 9:00 AM – 4:00 PM
  • Wednesday 9:00 AM – 4:00 PM
  • Thursday 9:00 AM – 4:00 PM
  • Friday 9:00 AM – 5:00 PM
  • Saturday 9:00 AM – 12:00 PM
  • Sunday Closed
  • Drive-Up Interactive ATM with Live Teller Assist

  • Monday 9:00 AM – 5:00 PM
  • Tuesday 9:00 AM – 5:00 PM
  • Wednesday 9:00 AM – 5:00 PM
  • Thursday 9:00 AM – 5:00 PM
  • Friday 9:00 AM – 5:00 PM
  • Saturday 9:00 AM – 12:00 PM
  • Sunday Closed
  • 24/7 Interactive ATM

Services Available

  • 24/7 ATM
    24/7 ATM
  • Coin Machine
    Coin Machine
  • Shared Branching
    Shared Branching

Texting your zip code to “91989” is a way to find the nearest surcharge-free ATM using the Shared Branching network!

Andrew Bonney

Meet the Manager

Welcome to AmeriCU!

My name is Andrew Bonney, and I am AmeriCU’s Watertown Financial Center Manager. I bring a wealth of experience in managing diverse teams and handling complex situations, as well as a dynamic approach to leadership and a commitment to community stewardship.

I recently transitioned from the United States Army after a successful military career of 25 years. I am excited for the opportunity to continue to serve the North Country community.

I am looking forward to collaborating with business partners and further building relationships in Watertown and surrounding areas. It will be fulfilling to assist fellow community members achieve their financial goals to live life, dream big, and achieve financial success.

Contact Me!
Email: [email protected]
Phone: 315.356.3000 ext.6321

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Nearby Locations + ATMs

AmeriCU ATM

23179 NYS Route 342 Watertown, NY 13601

View Details

Stewart’s Shops ATM

508 Mill Street Watertown, NY 13601

View Details

7-Eleven CO-OP ATM

430 Factory St Watertown, NY 13601

View Details
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Share Certificates

An AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule, your money is never far when you need it.

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Checking Accounts

Earn rewards for your purchases, or a high-rate, with AmeriCU’s new checking accounts! Plus, get an instantly-issued debit card and get paid a day early with qualifying direct deposit.**

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Mortgages

Fixed or variable rate? First time homebuyer or veteran? AmeriCU has a mortgage to get you there. It’s still a great time to buy, so make the move with AmeriCU!

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

Latest From AmeriCU

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News

Oct 08,2026

Are Spooky Spending Habits Haunting Your Budget?

Impulse purchases, forgotten subscriptions, and unplanned spending can quietly derail your financial goals. Learn how to identify common budget “haunters” and keep your finances on track this fall.
International Credit Union Day Celebration

Events

Oct 15, 2026

International Credit Union Day Celebration

Thursday, October 15 is International Credit Union Day, and we’re excited to celebrate with our members! This year’s theme, Rooted in Community, emphasizes AmeriCU’s dedication to the credit union philosophy of ‘people helping people’ in every community that we serve.
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Education

Sep 18,2026

Home Equity Loans and Home Equity Lines of Credit

Learn how homeowners can use their home equity through a Home Equity Loan or Home Equity Line of Credit (HELOC). This course explains the differences, requirements, benefits, and risks of each option to help you make informed borrowing decisions.

**If you are an AmeriCU Checking, Savings or Money Market accountholder that has set up a direct deposit with a payor, you may qualify for direct deposit one business day early. Whether a direct deposit is eligible is at our discretion and we cannot guarantee that you will always receive the one-day early service.