personal banking

Before you open an account, we’d like to open a conversation.

No matter where you are in life, we’ve got lots of ways to help you bank smarter.

Featured Rates

Determine what loan is right for you by evaluating the rate, Annual Percentage Rate (APR), and points.

30 Year Fixed Rate

Rate APR Points
4.875% 4.914% 0.000%

15 Year Fixed Rate

Rate APR Points
4.500% 4.567% 0.000%

30 Year Fixed Rate - Jumbo

Rate APR Points
4.875% 4.901% 0.000%
See Details and Disclosures
Rates are subject to change

These rates are not guaranteed and are subject to change without notice. This is not a credit decision or a commitment to lend.

Account Types

  • Package Accounts

    Get more when you bank more.


    More savings

    If you're just starting to save, we make saving straightforward.


    More Rewards

    Get more with free VIP checks and more.


    More for your future

    If you need to add a little extra to retirement.

  • Checking Accounts

    It's not about what checking you need, it's about what you need from your checking.


    No Frills

    If you're all about the basics.


    More Rewards

    If you want to reap more benefits.


    A safety net

    Fewer fees help you get started.

  • Savings Accounts

    Whatever you're saving for, we can get you there.


    Get the basics

    Accounts that make savings a cinch.


    Set your goals

    Accounts for every age and stage of life.


    Earn Interest

    Accounts that put your money to work.

Specialized Savings

Looking for something more long term?

You can't predict the future, but we can help you save for it



We make it easy to get the most from your retirement.


Savings and students

There are a lot of ways to save for school - we can help.

money market icon

Advanced savings

The more you save, the more you can earn.


Let's find the keys to your new home.

Sometimes getting what you want in life requires some help
that’s where we come in.

Learn More

From the Learning Library

First time homebuyers

It’s easy to get lost on the way to your new home. Get some tips to make buying a bit easier.


Sometimes life calls for a little extra.

Everyone borrows for something different. We've got lots of ways to get you there.


Borrow from us

We'll help you find a loan that fits just right.

Home borrowing

Borrow against your home

Funding your next big expense? Start at home.

car borrowing

Borrow for a car

Your new car is right around the corner.

business borrowing

Borrow for your business

New or expanding? We’ll help you get started.


Learning to save or spend smarter?

Thinking ahead is important to us, too. If you’re learning to bank, we’ll help you understand your options and get started off on the right foot.

Visit Student Accounts

Refer a Friend

It always pays to do right by your friends. And right now, it really pays.

Refer a friend to open an account at Beneficial Bank and you both get $100*.

Download the referral form

*Promotional reward of $100 eligible for accounts opened in a branch beginning January 25, 2018. By participating in this program, each party consents to Beneficial Bank disclosing the fact that the other is a customer of Beneficial Bank. Referring customer must be a current Beneficial Bank personal checking, savings or money market customer. Not available to Beneficial Bank employees or immediate family members. Referral reward offer valid to new consumer customers only. Only one $100 bonus will be provided per referred customer regardless of the number of checking accounts opened. To qualify for the $100 reward the new customer must open a new consumer checking account. Beneficial Bank requires new customer to setup and receive at least one qualifying direct deposit of $500 or more or make 15 debit card purchases (PIN or signature) within the first 60 days of account opening to qualify for the $100 reward. Direct deposit transactions are limited to: payroll, Social Security, pension and government benefits. Offer not available on existing accounts or in combination with any other offer. Completed form must be presented to a branch employee at the time of account opening. Accounts opened through are not eligible. New customer account must remain open for 90 days for the referral rewards to be granted to new and referring customers. The $100 reward will be deposited into the new customer account 90-120 days after the initial deposit and is not considered part of the minimum opening deposit. Referring customer account will be credited with $100 reward 90-120 days after new customer account has been opened. Account is subject to approval. Rewards will be reported to the IRS as required. The annual percentage yield (APY) as of January 1, 2018 for Interest Checking is 0.05%, Start Earning is 0.10%, Start Benefiting is 0.10%, and Start Rewarding is 0.20%. Beneficial Bank requires a $1 minimum opening deposit for Campus Checking and Free Checking accounts and a $50 minimum opening deposit for the Interest Checking account and Start Earning, Start Benefiting, and Start Rewarding packages. Monthly service charges may apply if minimum daily balances are not met. See an associate for full details. APYs are subject to change at any time without notice. Fees may reduce earnings. Offer subject to availability. Beneficial Bank reserves the right to withdraw this offer at any time.

From the Glossary

bank services: Services offered by a bank for convenience, such as online banking, automatic transfer and check cancellation. More terms

Beneficial Visa Gift Cards

Gift giving has never been easier.

Beneficial Visa® Gift Cards make the perfect present. They are attractive, can be used just like a credit card or debit card, and - a special perk for Beneficial customers only - have no purchase fee.

Visa Gift Cards

Whatever account you choose, smarter banking is built right in.

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1818 Beneficial Bank Place
1818 Market Street
Philadelphia, PA 19103

The use of non-secure email is intended for general questions, inquiries and comments only. Confidential Customer information cannot be accepted electronically.

Routing No: 236075689

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Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...

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Please Note:

You have clicked on a link that will navigate you away from the Beneficial Bank website to an external site that may have different privacy standards. Please click ‘Continue’ to proceed or ‘Cancel’ to stay on the Beneficial Bank site.

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To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you – When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.