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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  How to Start
We want to make it as easy as possible for you to bank smarter. So now you can access your Online Banking and Mobile Banking with the same username and password.

Enrolled in Online Banking?
To take advantage of these exciting features, be sure to download the new app from the App Store or Google play or visit m.thebeneficial.com and login with your Online Banking username and password.

Not Enrolled in Online Banking?
To continue using Mobile Banking, you will need to download the new app or visit m.thebeneficial.com and create a new username and password by doing one of the following:
New Features
Mobile Deposit¥
Deposit checks in a flash with the new Mobile Deposit feature. All you have to do is take a picture of your check with your iPhone or Android phone and deposit it.
Bill Pay
Just remembered to pay your gym membership while you’re mid-work out? Pay that bill in between sit-ups without even having to sit up. Be sure to create a payee from within Online Banking prior to making mobile payments.
Learn More
Swipe & Save
Smarter choices should be rewarded. Get cash back offers through Swipe & Save right on your mobile phone. Go to "Earn Cash Back" to see your offers for retailers, restaurants, hotels and more. Tap an offer to activate it before making a purchase using your Beneficial Visa® Check Card and earn cash back.
Learn More
Tablet Access
Why should your phone have all the fun? We're making tablets a little smarter with free° iPad and Android apps, which can be downloaded through the App Store or Google play.


And with existing features like transferring funds between Beneficial accounts, accessing account balances and transactions, and finding Beneficial branch and ATM locations — wherever you go — the free BenMobile will make you a lean, mean banking machine.

See the chart below for the great BenMobile features available on your device.

BenMobile Features by Device
Features iPhone Android Phone iPad Android Tablet Mobile Web Text Message
Account Balances X X X X X X
Account History X X X X X X
Transfers X X X X X X
Bill Pay X X X X X  
ATM/Branch Locator X X X X X  
Swipe & Save
(Cash Back Offers)
X X        
Remote Deposit Capture X X        
Alerts           X


Mobile Web Banking
Even if you don’t have the app you can still enjoy the convenience of BenMobile. Type m.thebeneficial.com into your mobile browser and log in using your Online Banking username and password.

Text Banking
To activate text message banking and text message alerts, simply log in to Online Banking and follow these steps:
  1. Click on “My Profile” in the top, right corner of the home page and select “Alerts & Notifications.”
  2. Click “Activate” under Text Message banking on the next screen.
  3. Enter your cell phone number, accept the terms and conditions and enter the verification code sent to the enrolled device.
You can also enroll in email or text message alerts from this screen.

For account information once you've enrolled, text 454545 and use the following commands.


Command Keywords
bal Primary account balance
bal all All account balances
last Last 5 transactions on primary account
bal chk Account balance of checking account
bal sav Account balance of savings account
trans Transfer funds to primary account
help Help on keywords
stop Deactivate Text Msg Banking Service

Text Message Alerts
You can keep track of your balance changes and transfers between accounts by setting up alerts. Notification can be sent to you via text message or email.

To set up alerts with BenMobile:
  1. Log on to Online Banking.
  2. Click "My Profile" on the top right.
  3. Click Alerts & Notifications.
  4. Select Text Messaging Banking or Email Alerts and Notifications.

Frequently Asked Questions

How can I be sure BenMobile is secure?
In addition to verifying your identity in the enrollment process, BenMobile uses multiple levels of security to keep all of your personal information safe. The Mobile Web or app requires a username and password at each login. Text Banking is only available from phones you designate. If your phone is ever lost or stolen, call your service provider (AT&T, Sprint, Verizon, etc.) and then call the Customer Contact Center at 888.742.5272. BenMobile can actually give you additional piece of mind by providing balance and transaction alerts instantly to your mobile phone.





If I already have Online Banking, why do I also need BenMobile?
Mobile Banking combines the best of both — 24/7 access to account information just like Online Banking and access to your account information from anywhere just like calling the Customer Contact Center. Check balances and review transactions from your mobile phone — no computer required and faster than a call. It’s an extra tool to help you manage your money.

Mobile Banking is an additional channel which provides Online Banking users with added flexibility. It’s a way to monitor your finances from places such as public transportation or a waiting room without needing a computer. It’s also a great alternative to the Customer Contact Center if you're in a noisy, public location — or if you need the information after hours.





What happens if I lose my phone?
If your phone is lost or stolen you should immediately contact your service provider (AT&T, Sprint, Verizon, etc.). In addition, you can disable BenMobile by calling the Customer Contact Center. No one can access your banking information without knowing your username and password.





How long does it take to register?
If you are already an Online Banking customer, you don’t even need to enroll. Just sign in with your Online Banking username and password. If you haven’t signed up for Online Banking, you can enroll quickly and easily from your phone.

Customers will have to verify their identity using a verification code sent to their phone the first time they sign in to Mobile Banking.





Isn't it easier to call the Customer Contact Center or use Telephone Banking?
Mobile Banking combines the best of both — 24/7 access to account information just like Telephone Banking and access to your account information from anywhere just like calling the Customer Contact Center. Check balances and review transactions from your mobile phone — no computer required and faster than a call. It’s an extra tool to help you manage your money.

Mobile Banking is an additional channel which provides Online Banking users with added flexibility. It’s a way to monitor your finances from places such as public transportation or a waiting room without needing a computer. It’s also a great alternative to the Customer Contact Center if you're in a noisy, public location — or if you need the information after hours.





Mobile Deposit¥
What is Mobile Deposit?
Mobile Deposit allows you to deposit a check with the camera on your phone through the BenMobile app. Click on 'Deposit a Check' within the app. The instructions on the screen walk you through the process and check to be sure you’ve done everything. You'll receive confirmation on your phone that your deposit has been submitted which you can email to yourself for your records.

How long do I have to keep the check?
Please keep all mobile deposited checks for seven business days just in case the check needs to be resubmitted for some reason.

When will the funds be available from my Mobile Deposit?
Funds from deposits made via Mobile Deposit are generally available for withdrawal two business days after the day of deposit.  If a mobile deposit is received before 5pm Eastern Time on a business day, that will be considered the day of deposit. If a mobile deposit is received after 5pm Eastern Time, the next Business Day will be considered the day of deposit.  Additional delays on the availability of funds may apply based on other factors determined by the bank. For purposes of Mobile Deposit, a business day is Monday through Friday, and does not include weekends or federal holidays.

How do I know if my Mobile Deposit was received?
When the image is received, you will see a confirmation message displayed on your mobile device. The system will not provide you email confirmation, so you are encouraged to email the message to yourself – it will contain your confirmation number for future reference. Your item will receive a status of "pending." This does not mean that it has been accepted and approved for crediting. If your image is approved, you will not receive any additional notice. However, if your image is rejected, you will receive email notification within 3 business days. For this reason, you are encouraged to verify the Bank has your current email address on file.  Please watch for these notifications, and contact the bank to discuss the reason for the rejection. You can also monitor the receipt and acceptance of your deposit in Online Banking, Mobile Banking, Telephone Banking, the Customer Contact Center or at your local Beneficial branch.





Mobile Bill Pay
How can I add a payee on my phone?
For security reasons, you are not able to add a payee via BenMobile. New payees must be created within Online Banking. It takes only a few minutes and is available to you within BenMobile going forward.

Is the payment delayed when I use my phone?
No. Any payments made with Mobile Bill Pay will be processed the same way as the bills you pay through Online Banking.

Is there a limit to how much I can pay with my phone?
No. Any payments made with Mobile Bill Pay will be processed the same way Online Bill Payments are.





What does BenMobile cost?
Beneficial does not charge customers to use BenMobile. However, check with your mobile carrier before enrolling to learn more about the cost of text messaging or data transfers.




¥ Mobile Deposit not available to all customers or account types. Applicable only to checks deposited into a Beneficial deposit account. Funds availability may vary.  Deposit limits will apply, and not all checks submitted will be accepted. Please refer to the Online Banking Agreement for details.
Available to Beneficial Visa® Check Card holders only.
° There is no charge from Beneficial Bank, but messaging and data rates may apply.


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