First Advantage Checking


Cash Back Checking with No Maintenance Fees


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Looking for a free checking account loaded with features and benefits? First Advantage Checking offers you all the bells and whistles without any pesky account maintenance fees. Plus, managing your money is easier than ever with our mobile app.




Icon depicting a wallet with cash inside

Account Basics


  • Pays interest on all balances over $5
  • Free first order of standard checks
  • Free notary service
  • Safety deposit box fee waived for 2 x 5 x 24" box** for one year; boxes available at our Webster and Spencer branches
  • Cover short-term cash flow needs with our Overdraft options
  • All deposits insured by NCUA up to at least $250,000, additional amounts insured by MSIC
  • No account maintenance fees; for other fees, please see our fee schedule




Icon depicting debit cards with debit rewards

Get Rewarded for Using Your Debit Card

There's two ways to earn - and both are free!


  • Earn cash back* on qualified purchases. Cash back offers are available to activate in online banking and our app.

  • Earn points on everyday purchases† that can be redeemed for exciting prizes. Enrollment in points rewards is automatic.


Start Earning Rewards




The Webster First mobile app allows you to see account balances with a single swipe

Bank On the Go with Online Banking and Our Mobile App


Online banking gives you 24/7 access to your accounts from your computer. Check your balance, pay bills, view and download eStatements, and more.

Explore App Features



Our mobile app puts a branch in your pocket. Deposit checks, pay bills, transfer funds, and activate debit rewards offers - all on the go.

Webster First Mobile Banking App - Download on the App Store  Webster First Mobile Banking App - Get it on Google play  Webster First Mobile Banking App - Available at Amazon




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





**Safety deposit box fee waiver is subject to availability.

*Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. Offers are provided "as is" and "as available."

Qualifying transactions must clear your account and post to your account no later than the end of the applicable calendar month to be counted. For example, if a purchase with your card occurs on the last day of the offer month but does not clear your account until the first day of the following calendar month, then that transaction will not be included in the calculation for the month in which you used your card. Rewards in program valued from 100 to 100,000 points. Rewards subject to change without notice and program may be terminated at any time. Points valid for 2 years from the first day of the month in which the Points were issued. Points awarded per checking account. See website for specific program terms. For ongoing card purchases, one point is awarded for every $100 spent with a signature or a PIN transaction. ATM transactions do not apply. Points awarded in relation to dollars spent subject to change without notice.