Webster Financial Corporation functions as the parent entity for Webster Bank, National Association, delivering a comprehensive suite of banking, investment, and financial services to individuals, families, and businesses throughout the United States. Its operations are organized into three primary divisions: Commercial Banking, HSA Bank, and Retail Banking. The Commercial Banking division supports businesses with a full range of services, including various lending options (such as commercial and industrial loans and leasing, commercial real estate financing, equipment financing, and asset-based lending), deposit accounts, cash management, and treasury solutions. It also extends wealth management expertise, encompassing trust services, asset management, financial planning, insurance, retirement planning, and investment products, to both business clients and individual consumers. Through its HSA Bank segment, the corporation provides specialized health and commuter benefit solutions like health savings accounts (HSAs), health reimbursement arrangements (HRAs), flexible spending accounts (FSAs), and commuter services. These offerings reach clients directly (employers and individuals) and indirectly through a network of national and regional insurance carriers, consultants, and financial advisors. The Retail Banking segment caters to individual consumers, offering a variety of deposit and fee-based services, residential mortgages, home equity lines of credit, both secured and unsecured loan products, and credit cards. The company further facilitates digital banking through its online and mobile platforms. As of December 31, 2021, it maintained a physical presence with 130 branch locations and 251 automated teller machines. Established in 1935, its corporate headquarters are situated in Stamford, Connecticut.