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.

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First Advantage Checking Benefits

$0 Monthly Maintenance Fees

First Advantage Checking has no monthly maintenance fees, so your money stays yours.

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. Get Started

Get convenient access

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

Webster First mobile app quick balance screen
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

Award-winning service

2024: Newsweek Best Regional Banks and Credit Unions

2023 Winner: Best of Central Mass

Webster First 5-Star Bauer Rating Badge

Rated 5 Stars by Bauer

2022 Winner: Best of Central Mass

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.

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.

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.