Yes! You can complete a BrioDirect account application online in minutes.

You just need your contact information, driver’s license, passport or state I.D. and Social Security number.

The easiest way is through an automated clearinghouse (ACH) payment from an existing checking or savings account. You can also fund via Check or Wire, click here to learn more.

Have a question about how ACH works? Please call 877.369.BRIO and speak to a client service representative.

We offer great rates, which can make a BrioDirect CD an excellent way to achieve your savings goals.

BrioDirect is the online brand of Webster Bank, a FDIC insured institution. Your deposit account is provided by Webster Bank, and you will be a Webster Bank client when you open your account.

Yes, your deposits are FDIC insured by Webster Bank in accordance with FDIC standards. You can visit www.FDIC.gov for more information.

Accounts that are opened via briodirectbanking.com and marketed by BrioDirect are Webster Bank accounts. Deposits in these accounts are made with Webster Bank. For purposes of determining how much FDIC insurance is applicable to your accounts, you need to consider not only the BrioDirect online savings, CD, or checking accounts that you maintain, but also all other accounts you maintain at Webster Bank. If you have a question about your FDIC insurance coverage, please call 877.369.BRIO and speak to a client service representative.

We offer online banking and mobile banking so you can manage your BrioDirect account anytime from virtually anywhere. You also can easily track your transactions via complimentary e-statements. (There is a $5 fee for paper statements, however.)

You can transfer funds between your BrioDirect savings account and another bank using our External Transfers feature.

Standard outbound limits: Clients are eligible for standard outbound transfers up to $75,000 that are completed within 3 business days (provided that funds are available). These transfers must be submitted by 10PM ET/1AM PT for current day processing. Transfers submitted after this time are processed on the following business day. For standard outbound transfers, the client must wait until an outstanding transfer(s) that exceeds $75,000 has settled before another transfer can be made and the monthly limit on outbound transactions is $250,000. You may be eligible to transfer additional amounts in excess of these limits by calling our contact center at 877.369.BRIO.

Note: There may be additional limits for security reasons on the frequency and dollar amount of transfers you can make. For transfers to an account held at another financial institution, the name on the recipient’s account must match the name on your savings account. In the event that we determine that there are risks associated with a transfer we may delay or cancel the transfer and notify you, or direct you to contact us to provide additional information. Transfer limitations may be modified by Webster Bank at any time without notice.

The account has no monthly fee.

Yes, if you take money out of a CD before the end of its term, you will be subject to an early withdrawal penalty. Please view product disclosures for details.

Go to your app store of choice and search ‘BrioDirect’. Then select ‘Get’ or ‘Download’.

Use your username and password you set up during your BrioDirect online account opening process.

If you did not complete the online and mobile banking enrollment process when you opened your BrioDirect account, you can click here to complete the set up process now. Or download the BrioDirect mobile app and select ‘Need a login’.

Click the forgot username/password links in the BrioDirect mobile app. You will be asked to answer security questions and/or verify your email and other information in order to verify your identity.

Please call 877.369.BRIO for assistance with this request.

Your accounts are protected from unauthorized access via multiple layers of protection including password requirements, face ID, One Time Password and security questions.

It’s a feature that allows us to verify your identity in a more secure way via receiving a one-time passcode, answering security questions or receiving a phone call with a code.

Android devices running Lollipop 5.0 and newer. iOS devices running iOS 11 or newer. iPadOS devices running 13.1 or newer.

The current balance is the total amount of funds in your account. The available balance is the current balance less any outstanding holds or debits that have not yet been posted to your account.

You will be able to see a minimum of 90 days of transaction history via online and mobile banking.

Yes! You have the ability to categorize and sub-categorize your transactions. Although we’ll provide you with a standard set of categories, you will also have the ability to create custom categories so that you can track and sort your transactions in the way that works best for you. Simply click on the transaction and then select the category that best applies.

Once you’ve logged into the BrioDirect Mobile App, simply click on the Deposit icon on the bottom menu bar. You will be asked to enter in the amount of the deposit, and then take a picture of the front and back of your check. It’s as easy as that!

For best results, place the check against a dark colored yet well-lit surface. Position the camera directly above the check but slightly outside the 4 corners and the camera will automatically take the picture.

Log into the BrioDirect Mobile App, click on the Deposit icon on the bottom menu bar to view a list of deposits you’ve made. You can click on each to see the status of the deposit.

Funds are generally available 1 – 3 business days after receipt. In some circumstances, your funds may take longer than 3 days to clear and may be held pursuant to our check hold policy.

The cut-off time for submitting checks is 7:00 pm Eastern Time each business day. Checks submitted after 7:00 pm ET or on weekends or holidays will be processed as if they were submitted on the next business day. A business day is Monday through Friday, excluding bank holidays.

Yes, checks can be deposited into any Savings or Checking account.

Please ensure your check is endorsed on the back and includes “For Mobile Deposit at BrioDirect only” under the endorsement.

Check(s) cannot be redeposited at Webster Bank or any other financial institution once it has been endorsed and deposited via BrioDirect.

Adding accounts you have with other financial institutions into your new Brio Mobile app is easy and helpful! Once you log into the app, click on Accounts, and then click on +Connect at the top right of the screen. From there you will be taken through an easy process to connect your non-Brio accounts into this incredible new app experience.

Sign in, go to Menu–>Notifications and select the Alerts you wish to receive.

Yes! You will see a breakdown of your spending and income by key categories, can chose which time periods you want to view this information (this month, last month last 90 days, year to date, etc.). If you want to change how your transactions are categorized simply tap the transaction to recategorize.

Yes! The app automatically creates budgets for you based on your last 90 days of transaction activity. To change your budget just tap on it and edit the amount.

Yes! From the home screen, click on ‘Insights’ and you will see a ongoing feed of insights personalized to your account activity including changes in spending habits from one month to the next, notifications of subscriptions coming due, alerts to large purchases and bill payments due.

Yes! You can customize each alert to be delivered when, where and how you chose. Go to Menu–>Notifications–>Select Edit to change your preferences.

Fixed rate products allow clients to lock in a particular rate upon opening the account, for a set amount of time. BrioDirect High-Yield CDs are fixed-rate products. Early withdrawal penalties apply. We have many terms available! Pick a term that works best for your savings goals. View Terms

We regularly monitor market conditions. We take many factors into consideration, including but not limited to, current market conditions and the federal funds rate.

We consider changes to the federal funds rate when determining the rates we offer. Rates everywhere may be impacted when the federal funds rate changes.

Yes, this is a variable-rate product, which means the rate on this account can move either up or down. Rates and APYs are subject to change without notice. However, we strive to provide our client with competitive rates!

^*We are not currently offering this product

¹Annual Percentage Yield (APY) is accurate as of 3/29/2023. Rate is subject to certain terms and conditions. You must deposit at least $500 to earn the disclosed APY. In the event of withdrawal before stated maturity, an early withdrawal penalty will be imposed. Offer can be revoked at any time.

**Eligibility Requirements for Promo High-Yield 12-Month CD of 4.00% APY:

• The Promo High-Yield 12-Month CD is only available for new accounts opened on or after 3/29/2023.
• This Certificate of Deposit will renew automatically at maturity. Webster Bank will allow a 10-day grace period after the maturity date to deposit or withdraw funds without penalty. If no changes are made to the account, the account will renew to a 12-month certificate of deposit at the standard, non-promotional rate in effect at the time of renewal.

²The Annual Percentage Yield (APY) and the corresponding tiers for BrioDirect Money Market are as follows: 0.70% ($0.01-$24,999) and 0.70% ($25,000-$99,000) and 0.70% ($100,000 and above). These APYs are accurate as of 3/29/2023. Rates are subject to certain terms and conditions. The rates and APYs are variable and may change at any time. Fees may reduce earnings.

³Annual Percentage Yield (APY) is accurate as of 3/29/2023. Rate is subject to certain terms and conditions. The rate may change after the account is opened. Fees may reduce earnings.

⁴Annual Percentage Yield (APY) is accurate as of 3/29/2023. Rate is subject to certain terms and conditions. Rate and APY may change at any time. Fees may reduce earnings.

⁵The Annual Percentage Yield (APY) and the corresponding tiers for BrioDirect checking are as follows: .15% ($0.01-$24,999) and .20% ($25,000 and above). These APYs are accurate as of 3/29/2023. Rates are subject to certain terms and conditions. These rates are variable and may change after the account is open. Fees may reduce earnings.

View the full list of product disclosures.