A free checking account that puts your needs first
Looking for a checking account with added benefits? Our First Advantage Checking account offers you all the bells and whistles without monthly maintenance fees.
Open Now Find a BranchFirst Advantage Checking Benefits
$0 Monthly Maintenance Fees
First Advantage Checking has no monthly maintenance fees, so your money stays yours.
Get paid up to 2 days early
Receive your payroll direct deposit up to 2 days earlier than your scheduled payday.26,27 Learn More
Earn Rewards
Earn cash back42 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. Get Started
Get convenient access
Get 24/7 access to your accounts with online banking and our mobile app.
Award-winning service
2025: Newsweek Best Regional Banks and Credit Unions
2024 Winner: Best of Central Mass
2024: Newsweek Best Regional Banks and Credit Unions
2023 Winner: Best of Central Mass
Rated 5 Stars by Bauer
Mastercard® Debit Card
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.
Additionally, your card is backed by Mastercard® Zero Liability Protection41, so you won’t be held responsible for “unauthorized transactions” on your account.
Earn cash back while you shop
A great account can be rewarding in more ways than one. Earn cash back42 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.
Open your First Advantage Checking account
To open, you must be 18 years of age or older and live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. $5 minimum balance to open.
Own a small business?
Check out our business account options for more free checking accounts designed with your business in mind.
