First Advantage Checking

Banking that fits you

Looking for a free checking account with added benefits? First Advantage Checking offers you all the bells and whistles without monthly maintenance fees.

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Benefits at a glance

There's a lot to love about our First Advantage Checking account.

$0 Monthly Maintenance Fees

First Advantage Checking has no monthly maintenance fees, plus you’ll earn dividends on all balances over $5.

Safety and Security

Your debit card comes with complimentary fraud monitoring and Mastercard® Zero Liability Protection†.

Earn Rewards

Earn cash back‡ on qualified purchases with our free rewards program.

Nearly 30,000 ATMs

There is no fee to withdraw funds from Webster First ATMs or ATMs belonging to the SUM or CO-OP Networks.

Online and Mobile Banking

Check balances, track budgets, deposit checks, make loan payments, and more.

Mobile Wallet

Connect to Apple Pay®, Google Pay, or Samsung Pay for convenience and speed at checkout.

We’ve got your back

Complimentary fraud monitoring through our Card Alert Notification Program is included with every debit card. All activated cards are automatically enrolled for maximum convenience. This program monitors your card transactions for suspicious activity. If potential fraud is detected, we’ll contact you immediately.

Program details

Your money is safe

Get peace of mind knowing that we won’t hold you responsible for “unauthorized transactions.” As a Mastercard cardholder, Zero Liability† applies to purchases made in store, over the phone, online, via a mobile device, and ATM transactions.

Get convenient access

Get 24/7 access to your accounts with online banking and our mobile app.

Your money made mobile

Our app offers powerful tools to make managing your money easy: anytime, anywhere.

  • Check your balance
  • Transfer money and pay bills
  • Deposit checks
  • Get text and email alerts to stay on track and under budget

Know what's in your account in seconds

Our Quick Balance features allows you to view account balances and recent transactions by swiping down on the login screen.

  • No need to enter your login information
  • Quick Balance may be turned on and off through the “Settings” menu
  • Please note: when enabled, Quick Balance will be available to anyone using your device

Track your spending

Our Money Management tool gives you total control over your finances.

  • View all accounts and transactions, regardless of which institution they are held with
  • See where your money is spent across categories
  • Use automatic categories provided by Money Management, or set custom categories for ultimate personalization
  • Forecast debt payoffs and compare debt pay down strategies

Make checkout a breeze

Connect your debit card to mobile wallet for touch-free checkout in stores and accelerated checkout online.

  • We’ve partnered with your favorite providers for maximum choice and convenience
  • Leave your wallet at home and pay in a flash
  • Use in store or online

Get started with mobile wallet

Learn more about Apple Pay Learn more about Google Pay Learn more about Samsung Pay

Earn cash back while you shop

A great account can be rewarding in more ways than one. Earn cash back‡ on qualified purchases with our free program.

  • Activate offers right from online banking or our app.
  • Shop based on the offer terms using your Webster First debit card or connected mobile wallet.
  • Earn your cash reward! Rewards are deposited right into your checking account.
See all debit card benefits

Requirements to open

  • Must be 18 years of age or older
  • Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member
  • $5 minimum balance
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Award-winning service

2020 Best of Central Mass winner award badge

2020 Winner: Best of Central Mass

2019 Winner: Best of Central Mass

Rated 5 Stars by Bauer

2018 Winner: BBB Marketplace Excellence

Why choose Webster First?

Smart money decisions are in our DNA

Webster First is one of the most well capitalized credit unions in Massachusetts as a result of our hard work and determination to make the best possible financial decisions. With our experience and dedicated team, we’re confident we can help you make the right financial decisions too.

Local, neighborly know-how

Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their neighbors and community.

Authenticity you can trust

As New Englanders, we believe in being upfront and honest. You can expect straightforward answers to all your questions. Each relationship starts with trust and it’s the cornerstone of our acclaimed member service.