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Account Opening & Maintenance

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

All you need is a smart phone, 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.

 

If you fund your account via check please note: Once your check is received, it will be processed, and deposited into your account within 1 – 2 business days. You will see the deposit in your Current Balance until the check has cleared. 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. Please see the Funds Availability policy for additional details.

We offer great rates and are FDIC insured, 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 up to the maximum allowable FDIC limits. Accounts opened via www.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 all accounts maintained with Webster Bank, N.A., such as CD, checking, savings, BrioDirect online accounts and cash held in health benefits accounts with HSA Bank. You can visit www.FDIC.gov for more information.

Accounts that are opened via www.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 all accounts maintained with Webster Bank, N.A., such as CD, checking, savings, BrioDirect online accounts and cash held in health benefits accounts with HSA Bank.

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 $25,000 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 $25,000 has settled before another transfer can be initiated, including any scheduled transfers. The monthly limit on outbound transactions is $100,000. You may be eligible to transfer additional amounts in excess of these limits by calling our contact center at 877.369.BRIO.

 

NoteThere 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 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.

 

Additional information about external transfers:

 

  • You are allowed to add up to five external accounts for transfers.
  • You cannot add/transfer funds to or from an account that you are not a listed owner on.

The account has no monthly maintenance 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.

Funds availability can be found by clicking here.

There are special rules for new clients within the first 30 days of account opening. If you are a new client, the following ACH debit transfer rules apply during the first 30 days your account is open: Funds deposited via ACH debit transfers are not made available until we determine that the transfer was not fraudulent, and the availability may be delayed for a reasonable period of time and may take up to 15 days.

Yes, you can add a beneficiary to your BrioDirect account once the account is open:

 

  • Log into online banking and send us a secure message with your request. We‘ll reply via secure email with the beneficiary template you’ll need to complete. Reply to the secure message with your beneficiary details added and we’ll update your account.
  • If adding a Trust as a Beneficiary on your BrioDirect account, send us a secure message within online banking or call us at 800-369-BRIO to complete this request.

No, Brio accounts cannot be opened in the name of a Trust.

For Savings Accounts: Interest is compounded daily and credited to your account each statement cycle. Please note that interest calculations and crediting are dependent upon your Brio Product. Please access the appropriate Product Disclosure for full details.

 

For CDs: Interest will be compounded on a daily basis and interest will be credited to your account at the end of each quarter (every 3 months) and at maturity.

You have a few options when your CD is approaching maturity:

 

  1. Simply allow your CD to rollover. No action is required on your part. You can see current CD rates here: www.briodirectbanking.com/high-rate-cds/
  2. Roll your CD balances into a Brio Savings account.
    1. If you do not have a Brio Savings account, you will need to open an account at: BrioDirect (briodirectbanking.com) and then call us to transfer the funds.
    2. If you already have a Brio Savings account, please call us at 877.369.BRIO to transfer the funds.
  3. Transfer your funds to another financial institution or receive a check with your funds.
    1. Please call us at 877.369.BRIO to transfer the funds or receive a check to close out your CD.

Mobile Access, Identity and Security

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

Webster Bank mobile app icon. Yellow background with a WApp Store buttonGoogle Play button

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC.

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 Mobile Banking App, tap into the username field and click ‘Enroll now’ to complete the set up process now.

Click ‘Trouble logging in?’ in the Mobile Banking App and select the appropriate option. You will be asked to answer security questions and/or verify your email and other information in order to verify your identity.

Sign into the Mobile Banking App, click ‘More’ > ‘Manage Profile Information’.

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 10.0 or newer. iOS devices running iOS 15.0 or newer. iPadOS devices running 15.0 or newer.

New accounts take up to one business day to appear in your online banking profile or mobile app.

Sign into Online Banking, go to ‘Settings’ > ‘Security Center > Account and Security Alerts and follow the on-screen instructions.

Transactions & Balance

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.

Mobile Deposit

Once you’ve logged into the Mobile Banking 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 take the picture.

Log into the Mobile Banking 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 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.

Rates

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!

 

PRODUCTAPY
30 Day CD0.05%1
3 Month CD0.25%1
5 Month CD0.15%1
9 Month CD0.30%1
12 Month CD*5.00%1
Promo High-Yield 12 Month CD5.00%1
18 Month CD1.35%1
24 Month CD2.30%1
30 Month CD0.45%1
36 Month CD2.45%1
48 Month CD0.45%1
60 Month CD0.45%1
Money Market*0.70%2
Savings5.30%3
Savings Plus*5.30%4
Checking Account*up to 0.20%5

*We are not currently offering this product

1Annual Percentage Yield (APY) is accurate as of 6/13/2024. Rate is subject to certain terms and conditions. You must deposit at least $500 to open the CD and 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 5.00% APY:

  • The Promo High-Yield 12-Month CD is only available for new accounts opened on or after 6/13/2024.
  • 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-$99,999) and 0.70% ($100,000 and above). These APYs are accurate as of 6/13/2024. 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 6/13/2024. Rate is subject to certain terms and conditions. You must deposit at least $5,000 to open your account and maintain $25 to earn the disclosed APY. Rate and APY may change at any time. Fees may reduce earnings.

4Annual Percentage Yield (APY) is accurate as of 6/13/2024. 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 6/13/2024. 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.

All deposit products are provided by Webster Bank, N.A. ("Webster Bank"), an insured FDIC institution. BrioDirect is a sub-brand of Webster Bank. Webster Bank operates under the trade name BrioDirect. This trade name is used by, and refers to, Webster Bank, a single FDIC-insured bank.

Accounts that are opened via www.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 all accounts maintained with Webster Bank, N.A., such as CD, checking, savings, BrioDirect online accounts and cash held in health benefits accounts with HSA Bank.

If you need assistance, please call 877.369.BRIO

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