Frequently Asked Questions

If your ATM/Debit Card has been lost or stolen during business hours, please call us at (800) 962-4452 for immediate assistance. If your card has been lost or stolen after hours, please call (800) 528-2273 for assistance.

You can re-order checks at a branch, using the mail order form provided in your current box of checks, or online. When you are ready to re-order your checks online, please make sure to have your check re-order slip ready. To place an order, log in to Harland Clarke’s check reordering website by clicking here. You may log in using your Order Identification Number and Check Number found on your check re-order form.

Your checks feature Webster First’s routing number, your account number, and the check number. Please refer to the diagram below for reference. Please note that the diagram is for reference only, and the length of your actual account number may differ from what’s shown.

You can place a stop payment on a check by completing the form in online banking or our mobile app, contacting our call center, visiting a branch, or via telephone banking. Please note that there is a fee assessed for each stop payment order. Refer to our fee schedule for more information.

We do not currently offer a free checking account exclusive to seniors, but our First Advantage Checking account is free to anyone over the age of 18 who lives, works, worships, or attends school in Essex, Middlesex, Suffolk, or Worcester County.

Yes! Our Jump Start Checking is free for students or young adults between the ages of 15-22. The account will automatically upgrade to our First Advantage Checking once you reach 23 years of age.

Yes, we offer three different overdraft options – overdraft protection, overdraft privilege, and overdraft protection lines of credit. Read more about all overdraft options here.

We offer an All Purpose Club account, which is great for saving for any type of goal. Whether it’s a vacation, Christmas, wedding, etc.

We do not offer credit cards at this time.

Credit unions are not-for-profit, so when you become a member of Webster First, you also become part shareholder. Your deposits earn dividends because they are shares – as opposed to interest which is what your deposits would earn at a bank.

Yes! You can add your Webster First Debit Card to any mobile wallet.

You can dispute a charge or report a lost/stolen debit card by calling (800) 962-4452 during business hours. To report a lost or stolen card after hours, call (800) 528-2273.

Call our Member Service Center at (800) 962-4452. They will be able to add a note to your account.

No. You must apply for an IRA at a branch.

At Webster First, consumer loans include auto loans, motorcycle loans, recreational vehicle loans (RV, boat, camper, jet ski, quad, snowmobiles), personal loans, credit builder loans, Mass Save Heat loans, and student lines of credit.

Webster First does not charge application fees on consumer loans.

Yes! We offer refinancing on all types of consumer loans you have with another lender.

When applying for a loan, you will need to provide proof of identity, such as a driver’s license. When finalizing your loan, your loan officer will provide you with a list of any other documents you may need to provide in order to have the loan disbursed.

Yes, you do need to be a member in order to obtain a loan from Webster First, however, you don’t need to be a member in order to apply. We can sign you up for membership when you finalize your loan.

If you suspect your credit may not be very good, you can try to improve your score by paying down debts such as credit card balances, avoiding making unnecessary credit report inquiries which may drive down your score, or by completing a Webster First Credit Builder Loan^.

If you don’t qualify for a loan yourself, you can try re-applying with a co-signer. A co-signer is not a guarantee of approval, but it may help you get approved.

^Proceeds will be put into a certificate for the same term as the loan. The full original amount of the loan will be held until the loan is paid off. No withdrawals can be made from the certificates (even with penalty) unless the loan is paid in full.

All claimed income will be considered when you apply for a loan. This income may include social security, pensions, public assistance, etc.

Whether or not we finance a vehicle depends upon the value of the vehicle. Since this will be different for each vehicle, we recommend you call us at (800) 962-4452 or visit a branch for a more personalized answer.

You do not need to have a particular vehicle picked out in order to apply for pre-approval.

Typically, we can finance 100%, however this is reviewed at the borrower/application level.

Depending upon the type of loan you select, your exact rate may be determined by your credit score and collateral. To view our current rates, click here. For more information, visit a branch or call us at (800) 962-4452.

Since your exact rate will be determined by your credit score and collateral, we cannot determine the rate without pulling your credit report. Your credit report cannot be pulled unless you apply for a loan with us and provide us with permission to look at this information.

Your monthly payment amount will depend upon the amount of your loan, the exact interest rate you qualify for, and the term length of the loan.

You will receive your coupon book within 14 business days.

Yes, contact us (800) 962-4452 and we’d be happy to assist you.

Generally, your first payment will be due 30 days after your loan is disbursed. Your payments will always be due on the same day of each month. If you would like to have your payments due on a particular day of the month, please inform your loan originator so he/she can attempt to schedule that for you. We cannot guarantee that your payment due date will be exactly what you request, but we will work with you to try and make that happen.

Yes, you can make loan payments online.

You can make payments to your consumer loan by dropping off the funds in a branch, mailing in a check, making a transfer in online/mobile banking, or using the Payment Portal.*

Only the primary account holder can transfer funds to the loan online. On your home screen in online/mobile banking, click Transfer, then “(Transfer) Between my Accounts.”

If mailing a check, include your account number in the memo line. Mail to:

Webster First Federal Credit Union
PO Box 70505
Worcester, MA 01607

*Payment Portal can be used by non-members, or members who do not elect to sign up for an online banking account. We recommend you use online/mobile banking to make your payment if you have an account set up.

If you would like to transfer a payment from an account at another financial institution, there are a few ways you can do it. In your online banking toolbar at the top of the screen, click on Pay > Pay my Loan from an Outside Account. In your mobile banking toolbar at the bottom of the screen, click on More > Pay Loan from Outside Account. Use the Payment Portal if you do not have an online banking account.

You can also schedule a one-time ACH transfer by contacting our EFT department at (800) 962-4452 Ext 4095. They will have you sign a ACH Authorization form.

Yes! If you would like online access, you can enroll in online banking. If you don’t want online access, you can make one-time payments using our payment portal.

You can set up a recurring payment a few different ways. To set up a recurring payment from a WFFCU account, use your online banking account and click “Transfer” > “Between My Accounts.” Type in your desired date and amount to be transferred then check the box that says “Repeat Transfer.”

To set up a recurring payment from an outside account, you can use either the Payment Portal or online banking. In online banking, click “Transfer” > “To/From Outside Accounts.” Then choose your accounts and select the frequency for the transfer. In Payment Portal, sign in to make your payment as you normally would and select the payment frequency there.

The last way is by contacting our EFT department at (800) 962-4452 Ext 4095, and signing an ACH Authorization form with your account information. You can choose the amount and which day of the month you would like the payment to be pulled.

Yes, someone else can make a payment on your behalf. They can pay with cash, a check, or as a transfer out of their Webster First account.

There are no pre-payment penalties for any Webster First consumer loans. You can pay extra or pay off your loan early with no penalties.

Contact our member service center at (800) 962-4452 for a payoff quote. Let them know the date you would like to pay off, as daily interest earned can change the amount. Funds can then be sent via check, wire, or internal transfer.

You have a grace period from your due date to make a payment before a late fee is assessed. Refer to your note to see what that period is for you. We report late payments to the credit bureaus on the 5th of each month.

If a borrower on a consumer loan has passed away, contact the consumer loan department at (800) 962-4452 Ext 4098 to let them know and forward them the death certificate for the file. If there is a co-signer on the loan, they will still be obligated to make the payments. If there is no co-signer, next steps will vary based on what the deceased had planned to pay off the remaining balance on the loan (death clause, terms in their will, a trust, life insurance policy, etc.).

If you have a lien on your car and an insurance company pays you for damages (such as a car accident, tree falling on it, etc.) the check will be made out to both you and the lien holder (WFFCU). Our Consumer Loan Servicing department will be able to help you disburse the funds from the check once the repairs are complete. Contact them at (800) 962-4452 Ext. 4098.

For additional info on insurance claims, see “How to File an Insurance Claim on Your Car.”