Webster Value Checking

This is our most popular account, especially when paired with a Value Savings account.

Benefits

  • Easy eligibility to waive the monthly service charge2
  • Free mobile banking, including mobile check deposit***
  • Free Visa® Debit Card
  • 0.25% discount available on personal loans, home equity loans & lines of credit, with ACH payments*
  • 0.125% discount on mortgages, with ACH payments*
  • Free paperless statements

All 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 statements⁺⁺ and account alerts⁺.

Call today to speak to a banker

Call 877-647-5138

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 savings products
  • Free checks, stop payments and incoming wire transfers
  • Discounts on mortgages, home equity loans and lines of credit, and personal loans*

WebsterOne® Relationship Checking³

No Webster fees for using other banks' ATMs

  • No monthly maintenance fee when you maintain a $4,000 relationship balance3
  • Discounts on personal loans and home equity loans and lines of credit*
  • Discount on mortgages*

Student Checking⁴

No Minimum Balance required

  • No monthly service charge for five years after account opening
  • Four ATM waivers per statement cycle when using non-Webster ATMs
  • One rebated non-Webster ATM transaction (fee charged by other banks) per statement cycle
  • Available for high school (15+ years old) and college students

Five credit cards to choose from

Do you like cash back or rewards points? Maybe you’ve had some difficulties and are having trouble getting approved. For all tastes and situations, we have the right card. Just review your options, pick the one that most appeals to you and apply online.

Disclosures

1Webster 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) as of 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 06/01/2021 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. Tax reporting may apply. Product features are subject to change at any time.

Premier Checking ATM Benefits: Webster will not charge any fees for checking withdrawals at non-Webster ATMs. If you are charged a fee by another bank for checking withdrawals at its ATM, we will rebate the fee.

2Webster 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; b) are age 65 or older and have at least one direct deposit; OR c) have cumulative direct deposits of $500 or more each month. Delivery of statements electronically is free; those accounts not enrolled in Statement eDelivery will receive a $2 monthly paper statement fee. This fee is waived for account holders age 65 and older or 18 and younger.

3WebsterOne® 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) as of the end of your statement period. Rates and fees may vary by state and region; fees may reduce earnings. The APY (Annual Percentage Yield) for WebsterOne Relationship Checking is subject to change at any time.

4Webster Student Checking: Minimum opening deposit of $50 is required. No monthly service charge for 5 years after opening or switching to this account. After 5 years, it will convert to Webster Value Checking. A valid student ID is required; if it is not provided within 60 days of account opening account will convert to Webster Value Checking. You must be at least 18 years old to open an individual checking account at Webster. A student at least 15 years old may open a joint Student Checking account with another individual who is at least 18 years old. Each joint owner has full control over the account and is responsible for the activity of the other owner, including the activity of a minor who is a joint owner. See your Deposit Account Disclosures for more details on Joint Ownership Accounts.

Student Checking ATM Benefits: Per statement cycle, Webster will not charge for up to 4 ATM fees associated with using non-Webster ATMs. If you are charged a fee by another bank for using its ATM, we will rebate 1 fee per statement cycle. Product features are subject to change at any time. Insufficient Available Funds Fees: 1 fee will be rebated per academic year (September to August).

*Special Loan Discounts – Automatic Loan Payment Offer: Customers with any personal Webster checking account are 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.

**All 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 Statements and account alerts. Visa is a trademark of Visa Inc.

***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. 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.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.

+Balance 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.

++Delivery of statements electronically is free; accounts not enrolled in paperless statements will receive a $2 monthly paper statement fee. This fee is waived for account holders 8 and younger or 65+.