Mobile Banking - FAQs

Are there fees to use Webster Mobile Deposit?

There is no charge from Webster to install Mobile app or use the Webster Mobile Deposit. Message and Data rates may apply. However, you should contact your wireless service provider to see if any connectivity or usage rates may apply.

Are there limits to Business Banking account deposits with Webster Mobile Deposit?

Business Banking account limits are based on how long you’ve been a Webster customer and are as follows:

Business Banking Customers who have accounts that are less than 6 months old

  • Pay Limit – Single check deposit amount limit - $4,000
  • Daily Amount Limit – Daily cumulative deposit amount limit - $4,000
  • Daily Count Limit – Daily cumulative deposited item count limit – 25
  • Multi-day Amount Limit* – Multi-day cumulative deposit amount limit - $10,000
  • Multi-day Count Limit* – Multi-day cumulative deposited item count limit – 50
  • Multi Day time period – 10 business days

* You can deposit up to 25 checks in one business day, up to a total of $4,000. Over a 10 business day period, you can deposit up to 50 checks, up to a total of $10,000.

Business Banking Customers who have accounts that are 6 months or older

  • Pay Limit – Single check deposit amount limit - $10,000
  • Daily Amount Limit – Daily cumulative deposit amount limit - $10,000
  • Daily Count Limit – Daily cumulative deposited item count limit – 25
  • Multi-day Amount Limit* – Multi-day cumulative deposit amount limit - $20,000
  • Multi-day Count Limit* – Multi-day cumulative deposited item count limit – 50
  • Multi Day time period – 10 business days

* You can deposit up to 25 checks in one business day, up to a total of $10,000. Over a 10 business day period, you can deposit up to 50 checks, up to a total of $20,000.

  • We reserve the right to modify such limits from time to time or to impose different limits on certain customers.
  • Your daily deposit limit will display on the screen when you click on the “Deposits” icon on the Mobile app.

Refer to Webster Mobile Deposit Terms of Service for additional details

Are there limits to Consumer account deposits with Webster Mobile Deposit?

Consumer account limits are based on how long you’ve been a Webster customer and are as follows:

Customers who have accounts that are less than 6 months old

Premier and WebsterOne

  • Pay Limit – Single check deposit amount limit - $4,000
  • Daily Amount Limit – Daily cumulative deposit amount limit - $4,000
  • Daily Count Limit – Daily cumulative deposited item count limit – 25
  • Multi-day Amount Limit* – Multi-day cumulative deposit amount limit - $10,000
  • Multi-day Count Limit* – Multi-day cumulative deposited item count limit – 50
  • Multi Day time period – 10 business days

* You can deposit up to 25 checks in one business day, up to a total of $4,000. Over a 10 business day period, you can deposit up to 50 checks, up to a total of $10,000.

All other consumer accounts

  • Pay Limit – Single check deposit amount limit - $3,000
  • Daily Amount Limit – Daily cumulative deposit amount limit - $3,000
  • Daily Count Limit – Daily cumulative deposited item count limit – 25
  • Multi-day Amount Limit* – Multi-day cumulative deposit amount limit - $5,000
  • Multi-day Count Limit* – Multi-day cumulative deposited item count limit – 50
  • Multi Day time period – 10 business days

* You can deposit up to 25 checks in one business day, up to a total of $3,000. Over a 10 business day period, you can deposit up to 50 checks, up to a total of $5,000

Customers who have accounts that are 6 months or older

Premier and WebsterOne

  • Pay Limit – Single check deposit amount limit - $10,000
  • Daily Amount Limit – Daily cumulative deposit amount limit - $10,000
  • Daily Count Limit – Daily cumulative deposited item count limit – 25
  • Multi-day Amount Limit* – Multi-day cumulative deposit amount limit - $20,000
  • Multi-day Count Limit* – Multi-day cumulative deposited item count limit – 50
  • Multi Day time period – 10 business days

* You can deposit up to 25 checks in one business day, up to a total of $10,000. Over a 10 business day period, you can deposit up to 50 checks, up to a total of $20,000.

All other consumer accounts

  • Pay Limit – Single check deposit amount limit - $6,000
  • Daily Amount Limit – Daily cumulative deposit amount limit - $6,000
  • Daily Count Limit – Daily cumulative deposited item count limit – 25
  • Multi-day Amount Limit* – Multi-day cumulative deposit amount limit - $10,000
  • Multi-day Count Limit* – Multi-day cumulative deposited item count limit – 50
  • Multi Day time period – 10 business days

* You can deposit up to 25 checks in one business day, up to a total of $6,000. Over a 10 business day period, you can deposit up to 50 checks, up to a total of $10,000

  • We reserve the right to modify such limits from time to time or to impose different limits on certain customers.
  • To view any modifications to such limits please visit www.websterbank.com/mobile.

Refer to Terms of Service for additional details

Can foreign currency checks be processed through Webster Mobile Deposit?

No. Webster Mobile deposit is only for checks payable in U.S. dollars and drawn on banks in the United States.

Can I export, save and print images of checks I deposit using Webster Mobile Deposit?

Images are not available however, using the full site you can export a list of deposits and return/adjustment items.

Do I need a special phone to use Mobile Banking?

Webster Mobile Banking supports a wide variety of smartphones. Your phone must have web browsing capabilities in order to access our mobile banking site.

Our Mobile Banking App supports the following versions:

  • Android 2.2+
  • iPhone iOS 4.3.5+
Does Webster charge a fee for Mobile Banking?

Use of Mobile Banking is provided at no cost to you through Webster. You may, however, be charged data or other internet access fees. Check with your mobile services carrier for details on data usage plans and service charges.

Does Webster have Mobile Banking Apps?

Yes, customers using Android or iPhone smartphones can download the free Webster Mobile Banking App from the app store/marketplace.

  • Message and data rates may apply
  • Supported versions:
    • Android 2.2+
    • iPhone iOS 4.3.5+
How can I access Mobile Banking?

Access is easy! You can access Mobile Banking by going to the same web address you are accustomed to for logging in to WebsterOnline from your computer (www.websteronline.com). When you access WebsterOnline from your mobile device, we will detect you are on a mobile phone and will redirect you to the Webster Mobile Banking site.

You can also access the Mobile Banking site directly by going to mobile.WebsterOnline.com from your mobile phone browser.

You can also download Webster’s Mobile Banking App for Android or iPhone smart phones.

How do I get the best image of the check using Webster Mobile Deposit?

1. Flatten the check and place it on a dark, non-reflective surface. Make sure there is enough light to distinguish the check from the background. If there is a reflection on the face of the check, move the check to avoid the reflection.
2. Line up the check with the horizontal and vertical guides provided and click the camera icon to take a picture.
3. The image will be displayed for you to review. If it is not readable, click "Retake" to retake the picture of the check.
4. If you can read the details on the check, click "Use this image" to keep the image.
5. If our system can't correctly interpret the writing on your check, you can deposit your check at any Webster banking center or ATM.

Note: Please remember to endorse the check before you scan it. If you don't, the payor's bank may choose not to pay it and the deposit credit to your Webster account will be reversed.

How do I use Webster Mobile Deposit?

Using this service is as easy as 1,2,3!  View our Mobile Deposit video to learn more.

1. Install the mobile app to your Smartphone
     a. This will need to be done if you previously installed Webster’s Mobile App;
2. Look for the piggybank icon and agree to Terms and Conditions that are presented
     a. You will only need to agree upon initial login;
3. You are now ready to photograph the front and back of checks;
     a. Make sure to endorse the check and photograph it in a well-lit area against a dark background, free of reflections to ensure the image is clear for our system to process
     b. Choose which account to make your deposit; enter the amount

     c. Review Deposit
     d. Click Submit

How long can I see information about deposits I have made using Webster Mobile Deposit?

You can see detailed information about a submitted deposit for 120 calendar days. You can see general deposit details on "My Accounts" for up to 120 days and access them for up to 13 months on "Payment Activity" on your mobile phone.

How long should I keep the original checks after making a deposit with Webster Mobile Deposit?

Once you've scanned and submitted your deposit, you should mark the checks as having been deposited and store them in a secure location until you destroy them. There are no laws or regulations that specify any length of time you need to keep the original checks. We recommend that you destroy the original checks after 14 days of receiving your notification of your deposit.

How safe is it to use?

At Webster, we understand the importance of security. That's why we are dedicated to providing our customers a safe and secure environment for accessing their financial information online. Webster Mobile Banking offers you the same protection that you are accustomed to on WebsterOnline. Learn more about Our Safety and Security Commitment.

How should I sign checks when using Webster Mobile Deposit?

You must endorse each check before transmission, exactly as the check or item is made payable. In addition to signing the check where required please mark the back of each check with the notation "For Deposit Only." If the check was previously refused or rejected and is to be presented for deposit or payment subsequently, then please mark the face of the check with the date the electronic image was refused or rejected.

How will deposits made with Webster Mobile Deposit appear in my account listing?

Mobile banking deposit will appear as a memo pending transaction throughout the day; memo posting times are: every hour from 7am – 5pm on business days

Transactions made after 5pm will not be seen as a memo posted transaction until the next business day.

Requirements - Check Images. All check images shall legibly and accurately depict legal and courtesy amount field, payee, date, check number, drawee information, and memo line designation.

  • In addition you must verify that the Magnetic Ink Character Recognition ("MICR") line is true and accurate in its reproduction on the check image.
  • We have the right to adjust the amount of any deposit based on our review of the image. We shall not be liable for any damage resulting from a check or item’s poor image quality, including those related to rejection of or delayed or improper crediting of such a check or item or from any inaccurate information you supply regarding the check or item.

Endorsement - You must endorse each check before transmission, exactly as the check or item is made payable.

Destruction of Checks - All checks shall be retained in a secure fashion. Our standards require that the check be retained for a minimum of fourteen (14) calendar days after funds have been made available. You shall safeguard all checks prior to their destruction from unauthorized access and use, including without limitation, theft, alteration, access, re-imaging, and re-presentment.

  • No Further Use of Check - You will not permit the check to be presented, returned or otherwise used to obtain a payment that would duplicate the payment sought by the deposit made via the Webster Mobile deposit service.

Franking - Franking. In addition to signing the check where required you shall mark the back of each check with the notation "For Deposit Only". If the check was previously refused or rejected and is to be presented for deposit or payment subsequently, then the face of the check must be marked with the date the electronic image was refused or rejected.

Email Notifications - You will receive a "deposit received" confirmation email once you have submitted a deposit.

  • If your deposit was made before the business day cutoff of 5:00pm ET you will receive a second email within 4 hours after you have received the initial deposit received confirmation email informing you whether or not the deposit has been "approved" or "declined".
  • If your deposit is made after 5:00pm ET you may not receive the approval or decline email until the next business day.

Funds Availability - Funds shall be available for withdrawal as provided in the Deposit Account Disclosure Agreement under the Funds Availability section, but such availability shall be subject to our discretion with respect to our risk-based monitoring of your account.

  • In addition, all funds are available subject to the provisions of the Deposit Account Disclosure Agreement.

You will see your deposit reflected in your available balance once funds become available.

Is Webster Mobile Deposit secure?

Webster Mobile deposit is protected by several layers of security. This app uses 128-bit SSL encryption technology to protect your financial activities.  In order to access Webster Mobile Deposit, you must enter your username, password, and the answer to one of your challenge questions if you are using an unregistered device.

What are the advantages of using Webster Mobile Deposit?

With Webster Mobile deposit, you can:

  • Save time and money by eliminating trips to the bank to deposit checks.
  • Bank when you want to bank.

Reduce paperwork by storing your check images and transaction history on our secure site.

What do I need to do before using Mobile Banking?

First, you must be enrolled in Webster Online Services. Once enrolled, all the accounts you see in your Online Profile will be included in your Mobile Banking profile. Secondly, before you can use Mobile Banking to pay your bills, you must first establish your payees using the full WebsterOnline site.

What happens if the system times out while I am taking pictures of the images using Webster Mobile Deposit?

If the session times out during the taking of your check image pictures you will need to start over.

What is a Passcode?*

The Passcode feature allows you to check your balances faster than ever. Just key in a 4 digit Passcode you select when logging into the Mobile App for the first time or you can set up or modify your Passcode at a later time within Settings. Passcode remains active for 5 days. If there are more than 5 days between logins, you’ll be required to enter your full username and password.

*Other banking transactions like payments, transfers or deposits require full log in with your existing username and password to protect your security.

What is a TouchID?

TouchID is a feature available on iPhone 5S Smartphones or higher. When activated, it enables you to access your phone or applicable Apps via your fingerprint. Once you’ve enabled TouchID on your iPhone you have the ability to access balances.

Full access to other banking transactions such as payments, transfers or deposits will still require full log in with your existing username and password to protect your security.

What is the deadline for funds to be credited on a business day when using Webster Mobile Deposit?

All deposits made via the Webster Mobile Deposit service must be received by us by 5:00 pm EST, in order for such deposit to be credited on the business day it was transmitted.

All deposits made via the Webster Mobile Deposit service received after such deadline (or received on a day other than a business day, i.e. Saturday, Sunday or banking holiday) shall be credited on the business day following such receipt.

Please refer to your Deposit Account Disclosure for when funds will be made available.

What is Webster Mobile Deposit?

Webster Bank offers a Mobile Deposit service called Webster Mobile Deposit, which is a feature of our mobile app. You may deposit checks directly into your account (i.e. checking, savings and money market) using your Smartphone. You can also fund your newly opened account using Webster Mobile Deposit.

What kinds of checks can I deposit with Webster Mobile Deposit?

Webster Mobile deposit can process checks payable in U.S. dollars and drawn on any U.S. bank, including, but not limited to:

  • Personal checks
  • Business checks
  • Traveler's checks
  • Remember to sign the front of your traveler’s check as well as the back to prevent the item from being returned for missing signatures
  • Money orders
  • Money Gram money orders are not able to be processed via Webster Mobile Banking
    Please note: Webster Mobile Deposit is designed for US personal and business checks. Other check forms resembling personal and business checks can also work, but they will never be 100%.
  • Postcard format refund/rebate checks typically do not process.
  • The print quality of the check may prevent it from being processed.

U.S. Treasury checks cannot be processed via Webster Mobile Deposit.

What services are available on Mobile Banking?

Webster offers Mobile (Web) Banking for any customer enrolled in Webster Online Services. You can perform the following transactions through Mobile Banking:

  • View your deposit and loan accounts
  • Check your current and available balances
  • View your pending and posted transactions (up to 60 days or 120 transactions for deposit accounts, and up to 12 months for loans)
  • Deposit checks with our mobile app
  • Make one-time transfers (internal only), and view all of your pending transfers
  • Make one-time bill payments (to any payee in your online profile) and view all of your pending payments
  • View your payment history
  • Find a Webster Bank Branch
When will my funds be available after making a deposit with Webster Mobile Deposit?

Funds shall be available for withdrawal as described in the Deposit Account Disclosure Agreement under the Funds Availability section, but such availability shall be subject to our discretion with respect to our risk-based monitoring of your account.

In addition, all funds are available subject to the provisions of the Deposit Account Disclosure Agreement.

You will see your deposit reflected in your available balance once funds become available.

Who can I call if I have questions about Webster Mobile Deposit?

Please call the Customer Care Center at 1-800-995-9995 for questions about Webster Mobile Deposit.

Will I receive an email after making a deposit with Webster Mobile Deposit?

You will receive a "deposit received" confirmation email once you have submitted a deposit.

If your deposit was made before the business day cutoff of 5:00pm ET you will receive a second email within 4 hours after you have received the initial deposit received confirmation email informing you whether or not the deposit has been "approved" or "declined".

If your deposit is made after 5:00pm ET you may not receive the approval or decline email until the next business day.