How to use Business Online & Mobile Banking

 

Getting started: First-time login

Follow these steps to get set up and logged in for the first time:

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1
Receive your login credentials

After you enroll, you’ll receive two emails: the first contains your temporary username, the second contains your temporary password.

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2
Login, accept Terms and Conditions, and authenticate your identity

Authenticate your identity with a 6-digit code that you will receive by phone.

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3
Create username and password

Change your temporary username and password by following the prompts on the screen.

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4
Enable text alerts and register for eStatements

Although optional, we recommend signing up for text alerts under My Settings and registering for eStatements under Additional Services>Online Statements>Delivery Preferences.

Tip: Download the Webster First Federal Credit Union app from your phone’s app store for the best mobile experience. Some features work best (or only) through the app.

Security Tip: For extra protection, consider installing Microsoft Authenticator or Google Authenticator on your mobile device to help with secure logins.

Navigating Business Online Banking

Our online banking platform is organized to help you manage your business effectively. Here is how to navigate through it – at a glance.

Main menu options:

  • My Accounts: view account balances and recent activity.
  • Move Money: transfer funds or make payments.
  • Additional Services: access tools like online statements, manage users, check reorder, stop payment, or sign up for alerts.
  • Reports: download account activity and customized reports.
  • My Settings: edit password, user ID, email, and other personal information.
  • Help: answer common questions.

Admin roles

  • Webster First can help you create and edit Primary and Secondary Administrators
  • Business Users are created, edited, and managed by the Administrators.

If you manage more than one business and want to link them all under one login, simply email us at CommercialDeposits@websterfirst.com.

Using key features

My Accounts
  • Accounts

Your list of deposits and loans based on the tax ID selected. View available balances or take a “quick peek” for more account information.

  • My Approvals

If dual approval is required for payments, ACH and Wires show here. Templates requiring approval also show. If the business has more than one Admin, approval is required when a Business Admin adds/edits a user.

Moving Money

Use the Move Money section to transfer funds between your Webster First accounts.

  1. Transfers
    • Make a Transfer – internal, aka intra-institution transfer. Includes linked accounts.
    • Make a Loan Payment – internal transfer to pay a loan.
    • Scheduled Transfers – manage future and recurring internal transfers.
  2. ACH/Wire Payments
    • Make a Payment – send an ad hoc or template-based ACH or Wire
    • Upload ACH Pass-through File – take a NACHA file, upload it into Business Banking
    • Manage Payment Templates  – create and manage templates for ACH and Wire payments
    • Scheduled Payments – manage future and recurring ACH and Wire payment
    • Import Recipients – import ACH participants into Business Banking for initiation
    • Manage Import File Definitions – create an import map before going to Import Recipients
Accessing loan information and statements

From the main screen, click Additional Services, then Mortgage History for commercial mortgage information.

If you manage more than one business, you’ll be prompted to select which business you want to view.

For other statements, select Online Statements under Additional Services.

Adding or managing business users
  • Go to Additional Services > Manage Users, then click Add a User.
  • Enter the user’s:
    • Name, mobile phone number, and email address.
  • Select permissions for each user (by business or individual account).
  • If applicable, grant approval rights and weight for ACH & wire transactions and for managing users.

Note: If you have linked businesses, you can grant access and authority within each business entity or account. You may not grant access to any feature or account that you do not have access to yourself.

Alerts and notifications

Set up alerts to receive updates via email about account activity and reminders about tasks. You can set up alerts for such things as, balance updates, low balance, large withdrawals, check clearing, loan payments due, and more.

Adjust alert preferences in My Settings.

Remote Deposit Capture (RDC) for desktop or mobile device

Deposit checks to your business account directly from your office!

To Register for RDC

  1. Under Additional Services, select Remote Deposit.
  2. The first time, your request is submitted to Webster First for approval (you’ll hear back in 2 business days).

To Make a Deposit

  1. Select +Add New Deposit.
  2. Choose your deposit account, then click “Scan” or “Load.”
    • For “Scan,” pick your scanner (set at 200 dpi, color or gray, auto-detect size, duplex if possible).
    • For “Load,” select the folder with your check images.
  1. Review checks for missing amounts or image issues. Click Repair to fix any errors.
  2. If needed, enter the correct amount and save.
  3. Submit Deposit to send for processing. You’ll get a confirmation message.
  4. Check Recent Deposits to track up to six months of your deposits.

Please note:

RDC limits and standard check holds may apply. For more information, please contact your local branch.

Making payments

Initiate ACH payments
  1. Go to Make/Collect a Payment.
  2. Select the Make Payments radio button.
  3. To use a template, click “Use a Template” and choose a saved template or start typing its name.
    • You can adjust the amount or put participants on hold if needed.
    • The “Deliver On” date defaults to the next business day.
    • For repeating payments, select “Recuring”.
  1. For a one-time payment, select Make a One Time Payment.
    • Enter the payment details and required “Deliver On” date.
    • You can Save as Draft if you need more time to finish (not available for template or tax payments).
  1. Review your payment details, then submit.

Important Tips

  • If you need to stop an ACH payment after submission, call us at 800-962-4452 ext. 4095.
Initiate wire transfers
  1. Start from Make/Collect a Payment.
  2. Select Use a Template or Make a One Time Payment for your wire.
    • For templates, enter or search a template name.
    • Edit payment amounts or add a custom message for the recipient if you wish.
  1. Confirm the Deliver On date (defaults to business day; up to a year in advance).
  2. For one-time wires, pick the funding account and select Domestic Wire as the payment type.
  3. Review summary and submit.

Wire Payment Support

If you need to stop a wire payment after it’s submitted, please email us at wiretransfers@websterfirst.com.

Scheduled and approved wire payments
  • Scheduled Payments tab shows payments waiting to be sent, including pending and recurring payments.
  • Once sent, payments move to the Approved Payments tab.
  • Payment activity includes all actions for your business account (not just your own).

Draft payments expire after 30 days, even if you make edits and save again.

Approving payments

Some payments may need approval before they’re sent. Here’s how to manage them:

  1. Check if payments are waiting for your approval (look for the “My Approvals” widget).
  2. Click to review payment details. Review the amount, date, and type (ACH, wire, etc).
  3. Select Approve. You may be prompted to validate your identity:
    • Choose Call Me (answer phone and press 1)
    • Or Text Me (receive a code and reply by text)
    • Or Enter Security Code if you use credential IDs or tokens
  1. Once approved, payments are queued for processing.

Frequently Asked Questions

  • If you don’t see a payment to approve, it may be below approval limits, already approved/declined by another user, or you may not have the required permissions.
  • Payments stay in the queue until they’re approved (unless declined or cancelled).
Generating payment reports

Use the Payment Reports feature to easily keep track of your business transaction history.

  • Build and run detailed reports based on your ACH and wire payments, plus templates.
  • Access and download reports for easy record-keeping, accounting, or audit prep.

This helps you quickly spot trends, review outgoing payments, and keep your finances in order.

Still need help? Email us at CommercialDeposits@websterfirst.com.