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
4.000% 4.037% 0.000%

15 Year Fixed Rate

Rate APR Points
3.500% 3.565% 0.000%

30 Year Fixed Rate - Jumbo

Rate APR Points
4.000% 4.026% 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.

Special Account Packages

We put a little extra into every account.

  • Beneficial Earning Account iconStart EarningSM Package

    This combination of accounts automatically transfers a minimum of $25 once a month from your checking account to our exclusive Tiered Statement Savings account, which earns higher interest the higher your balance.

    We’ll waive the $15 monthly service charge if a $1,000 combined minimum daily balance is met among your checking, savings and money market accounts
    Automatic transfers from checking to savings | Up to $5 cash back per statement cycle on other banks' ATM feesß

  • Beneficial rewarding Account iconStart RewardingSM Package

    This package gives you access to our Tiered Statement Savings Account, which lets you earn higher interest for maintaining higher balances. You’ll also get extra benefits like next-day funds availability for domestic checks.»

    We’ll waive the $20 monthly service charge if a $10,000 combined minimum daily balance is met among your checking, savings and money market accounts
    Up to $10 cash back per statement cycle on other banks' ATM fees ß | Reduced mortgage origination fee π

  • Beneficial benefiting Account iconStart BenefitingSM Package

    If you're age 50 or older, we’ll waive the $8 monthly service charge if a $1,000 minimum daily balance is maintained among your accounts or if you have a direct deposit.2

Basic Checking

  • Beneficial free checking iconFree Checking Package

    A basic, everyday checking account.

    No minimum daily balance or monthly service charge | Free Beneficial Visa® Debit Card

  • Beneficial interest checking iconInterest Checking

    Earn a little extra as you go with our interest checking account.

    No monthly service charge if you maintain the minimum daily balance or set up a direct deposit | Earn interest on your balance

  • Beneficial campus checking iconCampus Checking

    We give students, ages 18-25, fewer fees with fewer hassles while they’re learning to bank. To make things even easier, we provide a free link to a parent’s account and free incoming domestic wire transfers.

    No monthly service charge | No minimum daily balance requirements | Refunds of up to $10 per statement cycle on other banks' ATM fees

Overdraft Programs

The right knowledge can help
you keep your balance.

For the times when you accidentally spend more money than you have in
your account, our Overdraft Privilege and Overdraft Protection programs can help.

  • Beneficial overdraft iconOverdraft Privilege

    With the program, overdraft privilege is there when you need it, and you only incur the $35 fee for paying overdrafts when you use it.

  • Beneficial overdraft iconOverdraft Protection

    Cover overdrafts by linking your Statement Savings, money market or another checking account. Funds from your linked account will be automatically transferred to your checking account to cover the purchase.*

    *There's a $10 Overdraft Protection Fee each day an overdraft occurs.

compare

Everything on the table

A complete breakdown of all our accounts.

  Start EarningSM Package Start RewardingSM Package Start BenefitingSM Package Campus Checking Interest Checking Free Checking
BEST IF YOU WANT: To earn more and save more Higher deposit balances with premium services Checking for customers age 50 and older No monthly service charges, ATM fee refunds, no minimums, for students 18-25 Interest 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)2 None $500 (or direct deposit) None
HOW DO I WAIVE THE MONTHLY SERVICE CHARGE: Maintain a combined minimum daily balance of $1,000 between your savings, checking and money market accounts and have the $15 monthly service charge waived Maintain a combined minimum daily balance of $10,000 between your checking, savings, and money market accounts and have the $20 monthly service charge waived Maintain 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 waived None $8 monthly service charge waived if minimum daily balance requirements met or if direct deposit is established None
DEBIT CARD: Yes Yes with higher limits available Yes Yes Yes Yes
EARNS INTEREST: Yes Yes Yes No Yes No
ONLINE & MOBILE BANKING, BILL PAY AND FINANCEWORKS: FREE FREE 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 cycleß No, plus up to $10 back on other banks' ATM fees per statement cycleß No No, plus up to $10 back on other banks' ATM fees per statement cycle No Yes
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 DetailsLess 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.

From the Glossary

credit union: A nonprofit cooperative that is owned by its members and functions similarly to a bank with regard to savings, loans, credit cards, etc. More terms

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




Beneficial Bank Footer Logo




1818 Beneficial Bank Place
1818 Market Street
Philadelphia, PA 19103

888.742.5272
info@thebeneficial.com
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
SWIFT Code: BENFUS33

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USA PATRIOT Act

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.