Opportunity Checking

This account is if you have a special situation, maybe due to past money management issues that are hindering you now. We’ll help you get re-established so you can move ahead.

Benefits

  • The opening minimum deposit is only $50
  • Service charge as low as $11.95/month when you enroll in direct deposit
  • Free Visa® debit card
  • Free Webster mobile vanking app with full functionality, except for mobile check deposit1
  • Online Banking1, including bill pay and account alerts2
  • Free paperless statements

All Webster personal checking account customers receive:

A Visa® Debit Card⁷, access to over 300 Webster ATMs and an extensive network of branches; use of our free mobile app; and free online banking, including bill pay, paperless statements and account alerts

Compare with other checking accounts

Premier Checking¹

No-charge ATM usage for checking withdrawals at any bank

  • Rebates of other banks' ATM fees, including international
  • Preferred rates on Premier Savings accounts and CDs
  • Free checks, stop payments and incoming wire transfers
  • Discounts on mortgages, home equity loans and lines of credit, and personal loans2

Value Checking³

Affordable and packed with services

  • Free with $500 in cumulative direct deposits/month or $1,000 average monthly balance
  • Discounts on personal loans and home equity loans and lines of credit2
  • Discount on mortgages2

WebsterOne® Relationship Checking⁴

No Webster fees for using other banks' ATMs

  • Preferred rates on savings and CDs
  • Discounts on personal loans and home equity loans and lines of credit2
  • Discount on mortgages2

If you're taking classes, you may qualify

With $50 and a valid student ID, you could open a Webster Student Checking Account and simplify your money management so you can focus on your studies.

Disclosures

1Mobile App: Our mobile app supports Android 2.2+ and iPhone/iPad iOS 4.3.5+.  Apple and Android are trademarks of Apple Inc. and Google Inc., respectively.

Mobile Banking: You must be enrolled in Webster Online Services to use Webster Mobile Banking. Your mobile services provider may assess message and/or data charges, depending on your plan. The free balance alert notifications are in real time; please use your mobile phone’s settings to set quiet hours for alerts, if desired.

Mobile Deposit Limits: We may establish limits that apply to the amount of any individual check, the dollar amount and number of checks that may be deposited in a day and the dollar amount of checks that may be deposited in a multi-day period. To learn more, see the Webster Mobile Deposit Terms and Conditions. Subject to eligibility requirements. Not available with Opportunity Checking.

2Balance Alerts Notifications: Balance alerts are real-time and will be delivered upon processing. To manage the quiet hours for alerts, please use your phone's 'Do not Disturb' settings. There are no fees assessed by Webster for this service. Message and data rates may apply. Check with your wireless or internet service provider for any charges that may apply for data usage.

3Webster Premier Checking: Minimum opening deposit of $500 is required. You can avoid a $21.95 monthly maintenance fee by keeping $20,000 in combined monthly average checking, money market, and savings balances or $50,000 by adding CDs, home equity and installment loan balances (excludes mortgages, refinanced student loans and savings secured loans) by the end of your statement period; and monthly average investment balances (excluding the last day of the month). Fees may reduce earnings. Premier Checking is a tiered rate product. The tiers are $0 to $2,499.99, $2,500 to $9,999.99, $10,000 to $24,999.99, $25,000 to $49,999.99, and $50,000 and over. The APY (Annual Percentage Yield) for Premier Checking as of 08/15/2019 is 0.01% for balances of $0.01 to $49,999.99 and 0.01% for balances $50,000.00 and over, and is subject to change at any time.

4Loan Discounts – Automatic Loan Payment Offer: Customers with any personal Webster checking account may be eligible to receive an automatic payment rate discount on Home Equity Loans and Lines, Mortgages and Personal Loans. To receive the rate discount, an automatic payment deduction (ACH) is required from your Webster Bank personal checking account. This discount does not apply to Government Assisted Mortgages. Mortgages over $1,000,000 are not eligible for the discount. 

All loans and lines are subject to the credit approval process. Product features, APY and/or offers are subject to change without notice and may be withdrawn at any time. Rates and fees may vary by state and region. Other restrictions may apply. Cannot be combined with any other offers from Webster or its affiliates. See a banker for details. Tax reporting may apply. Other miscellaneous fees may apply and reduce earnings.

5Webster Value Checking: Minimum opening deposit of $50 is required. You can avoid the $11.95 monthly service fee when you meet ONE of the following during your monthly statement cycle: a) maintain a monthly average balance of at least $1,000, OR b) are age 65 or older and have at least one direct deposit OR c)make at least $500 in cumulative direct deposits.

6WebsterOne® Relationship Checking: Minimum opening deposit of $50 is required. You can avoid a $16.95 (or $14.95 with direct deposit) monthly maintenance fee by keeping $4,000 in combined average checking, money market and savings balances during your monthly statement period or $20,000 adding CD, home equity and installment loan balances (excludes mortgages, refinanced student loans and savings secured loans) by the end of your statement period.

7All Webster personal checking account customers receive: a Visa® Debit Card, access to over 300 Webster ATMs and an extensive network of branches; use of our free mobile app; and free online banking, including bill pay, paperless delivery and account alerts. Visa is a trademark of Visa Inc.