Important: if you receive a text/phone message stating your debit card has been deactivated or asking to provide the card and PIN number to reactivate it – this is a phishing scam. For your safety – please do not to call or respond to the text/phone message or provide any account information. Those with questions or concerns should please call 888.742.5272 and select option 7.

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  Checking Accounts
Beneficial gives you a choice of checking accounts to match your goals, your budget, and the ways you use your money.

Pick the checking account that works best for you:

FREE Checking

Interest Checking

Campus Checking
For college students age 18-25, Beneficial offers additional benefits to our standard FREE Checking account:

Open your account at any Beneficial office.

FREE WITH EVERY BENEFICIAL ACCOUNT

Your Beneficial Visa® Check Card is a rewards card with BankThanks Rewards Program. Receive one point for every $2 you spend on non-PIN-based purchases - redeemable for tons of great rewards.
Learn more

bankthanks

Online budgeting tool that shows you ALL of your money—not just your Beneficial accounts—and tracks where every dollar is going.
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BenMobile
View your accounts, check loan balances and transaction history, and even transfer funds from wherever you are, anytime you need to.

Learn More

Swipe & Save
Swipe & Save is a great way to earn cash back by simply using your Beneficial Visa® Check Card.

Learn More


Best of all, any checking account you choose also comes with the
following benefits:

  • FREE telephone banking
  • FREE Beneficial Visa® Check Card with Beneficial BankThanks Rewards
  • No ATM fees from Beneficial
  • No per item or check fees*

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Overdraft Privilege and Protection
For those times when you inadvertently exceed your balance, overdrafts can be paid through Beneficial's Overdraft Privilege Program or our Overdraft Protection service. Overdraft Privilege pays overdrafts for all eligible customers. Overdraft Protection covers overdrafts by linking any checking account to another Beneficial account.
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Checking Imaging*
Check images are available for free through Online Banking for every Beneficial checking account.

If you prefer seeing your checks on paper, instead of the usual pile of canceled checks each month, you'll receive laser-clear images of those checks printed on an 8 1/2" x 11" page. These images are included for free with every Beneficial checking account except Free Checking. Our Free Checking customers may request paper images for a $2 mailed check images fee monthly subscription fee or $3 per monthly statement cycle request.

Check Imaging makes your financial life easier in many ways, and Beneficial is pleased to provide you this enhancement in customer service.
  • Check images are accepted nationwide as legal proof of payment
  • If you need to furnish such proof, an image of the endorsed back of your check can be made available quickly
  • High-quality laser-printed statements and check images are easy to read
  • Check images are printed in check number order for easy reconciliation
  • Check number, amount, and date paid are printed beneath each image, letting you track account activity at a glance
  • Questions that used to require lengthy research can be answered by our staff in a flash
  • Beneficial can store your check images longer and more legibly than with microfilm
  • Duplicate copies of lost statements or checks can be provided quickly



  Balance Your Checkbook
Need help balancing your checkbook? Beneficial is always there to help.
View Details


  Switch Kit
Moving your accounts has never been faster and more convenient with our Switch Kit. These online tools include everything you need to switch. Simply print out the paperwork and send it to the appropriate party.
View Details

Click here for important changes to FDIC Insurance.

^We will not pay overdrafts for ATM withdrawals and debit card transactions, unless you tell us you want coverage for these transactions, by opting in. Overdraft payment is not guaranteed for customers who have opted in. If your account does not have sufficient funds to cover a check, ACH, or other transaction, the bank may choose to pay the overdraft occurrence. Each overdraft will result in a $35 fee. Overdrafts must be paid within 5 business days to avoid account closure. The bank reserves the right to decline payment of an overdraft. Other overdraft services that draw funds from a linked account or line of credit are available and may be less expensive. You may also opt out of all overdraft coverage. For more information about the overdraft services we offer, call 1.888.742.5272.


* $2 check image fee per monthly subscription or $3 per monthly statement cycle request.

 


*Click here for additional terms.







   
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    ©2014 Beneficial Bank    
WEALTH MANAGEMENT AND INSURANCE PRODUCTS
NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE
ARE NOT DEPOSITS ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY