Personal Checking

Checking that meets you where
you are in life.

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
4.250% 4.288% 0.000%

15 Year Fixed Rate

Rate APR Points
3.500% 3.565% 0.000%

30 Year Fixed Rate - Jumbo

Rate APR Points
4.250% 4.277% 0.000%
See All Rates
Rates are subject to change

Everything on the table

A complete breakdown of all our accounts.

 Start Earning℠ PackageStart Rewarding℠ PackageStart Benefiting℠ PackageCampus CheckingInterest CheckingFree Checking
BEST IF YOU WANT:To earn more and save moreHigher deposit balances with premium servicesChecking for customers age 50 and olderNo monthly service charges, ATM fee refunds, no minimums, for students 18-25Interest with a low minimum daily balance or no minimum daily balance with direct deposit waiver.No monthly service charges
MINIMUM TO OPEN:$50 $50 $50 $1 $50$1
MINIMUM DAILY BALANCE:$1,000 combined balance1 $10,000 combined balance1$1,000 combined balance (or direct deposit)2None$500 (or direct deposit)None
HOW DO I WAIVE THE MONTHLY SERVICE CHARGE:Maintain a combined minimum daily balance of $1,000 among your Tiered Statement Savings, checking and money market accounts and have the $15 monthly service charge waivedMaintain a combined minimum daily balance of $10,000 between your checking, savings, and money market accounts and have the $20 monthly service charge waivedMaintain a combined $1,000 minimum daily balance among your checking, savings, money market, and time deposit accounts or establish direct deposit and have the $8 monthly service charge waivedNone$8 monthly service charge waived if minimum daily balance requirements met or if direct deposit is established None
DEBIT CARD:FREEFREE with higher limits available FREE FREE FREE FREE
NON-BENEFICIAL ATM FEES These fees are charged by Beneficial Bank for using any non-Beneficial ATM:No, plus up to $5 back on other banks' ATM fees per statement cycleßNo, plus up to $10 back on other banks' ATM fees per statement cycleßNoNo, plus up to $10 back on other banks' ATM fees per statement cycleNoYes
EXTRAS:Automated $25 monthly transfer into Tiered Statement Savings account.
Home equity loan or HELOC discount (.50%)*
Next-day availability for domestic checks.»
Home equity loan or HELOC discount (.50%)*.
Reduced mortgage origination feeπ. FREE incoming domestic wire transfers.
Unlimited FREE checks.
Home equity loan or HELOC discount (.50%)*
FREE link to parent account.
FREE incoming domestic wire transfers*
Full Details
1Combined balance from checking, savings & money market.

2Combined balance from checking, savings, money market & time deposits.

ΔMobile Banking is provided at no charge by Beneficial Bank. Check with your phone service provider for any additional text messaging or phone charges.

ßFee refunds are only provided for Start Earning and Start Rewarding checking account ATM transactions. ATM fees on accounts linked to your Package checking account will not be refunded.

πOne time only for residential mortgage origination fee for Start Rewarding customers only. Additional restrictions apply. Please inquire for more details. Subject to availability.

*Get a 0.50% discount off the annual percentage rate of a home equity loan or HELOC with our Package Rate, the discounted rate given to borrowers with automatic payment deduction from a Start Earning℠, Start Benefiting℠ or Start Rewarding℠ Package account. Removal of automatic payment deduction or closure of the Start Earning, Start Benefiting or Start Rewarding package account will increase the rate by 0.50%. All loan products subject to credit approval.

»New account holds and certain restrictions may apply.

Account benefits

Lots of ways to stay smart with your money.

From the Knowledge Bank

Educational Workshops

Learn how to build your budget and make smarter financial choices with our free weekly financial workshops.

Learn More

From the Learning Library

A lot more goes into checking
than just money.

If you have questions, here's a good place to start.

Service Alert

Business Online Banking is experiencing intermittent technical issues

Service Alert

Our Business Online Banking is currently being impacted by intermittent technical issues and some features are currently unavailable.  We are currently working to resolve these issues and apologize for any inconvenience this may cause you.