personal packages

Special Account Packages

Our combined accounts are designed to make it easier to make good choices with your money.

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.

Start 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 between your checking, savings and money market accounts

Get a 0.50% discount off the annual percentage rate of a home equity loan or HELOC with our Package Rate.

start  earning account

$25 is automatically transferred monthly from checking to your Tiered Statement Savings account so you can earn better rates the more you save

Up to $5 cash back on other banks’ ATM fees per statement cycleß

Open Account      Compare

Switching banks? Check out our simple Switch Kit.

¥The “Package Rate” means the discounted rate given to borrowers with automatic payment deduction from a Start EarningSM, Start BenefitingSM or Start RewardingSM 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.

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.

Start RewardingSM Package

Higher balances mean more rewards. Start Rewarding offers more flexibility, perks and benefits for you.

We’ll waive the $20 monthly service charge if you maintain a $10,000 combined minimum daily balance between your checking, savings and money market accounts

Next-day funds availability for domestic checks»

FREE incoming domestic wire transfers

Reduced mortgage origination fee.π

reward account

Get a 0.50% discount off the annual percentage rate of a home equity loan or HELOC with our Package Rate*¥.

Up to $10 cash back per statement cycle on other banks’ ATM feesß

Tiered Statement Savings available

FREE VIP checks

Open Account      Compare

Switching banks? Check out our simple Switch Kit.

¥The “Package Rate” means the discounted rate given to borrowers with automatic payment deduction from a Start EarningSM, Start BenefitingSM or Start RewardingSM 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.

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.

Start BenefitingSM Package

Looking to get a little extra out of retirement? If you’re 50 or older, this package gives you extra benefits, plus unlimited checks.

Maintain a combined $1,000 minimum daily balance between your accounts or have a direct deposit, and we’ll waive the $8 monthly service charge2

FREE check orders

benefit account

Get a 0.50% discount off the annual percentage rate of a home equity loan or HELOC with our Package Rate.

Tiered Statement Savings available

Open Account      Compare

Switching banks? Check out our simple Switch Kit.

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

*All loan products subject to credit approval.

¥The “Package Rate” means the discounted rate given to borrowers with automatic payment deduction from a Start EarningSM, Start BenefitingSM or Start RewardingSM 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%.

compare table

Everything on the table

A complete breakdown of all our accounts.

  Start Earning℠ Package Start Rewarding℠ Package Start Benefiting℠ Package
BEST IF YOU WANT: To earn more and save more Higher deposit balances with bigger rewards Checking for customers age 50 and older
MINIMUM TO OPEN: $50 $50 $50
MINIMUM DAILY BALANCE: $1,000 combined balance1 $10,000 combined balance1 $1,000 combined balance (or direct deposit)2
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 between your checking, savings, money market, and time deposit accounts or establish direct deposit and have the $8 monthly service charge waived
DEBIT CARD: FREE FREE with higher limits available FREE
EARNS INTEREST: Yes Yes Yes
ONLINE & MOBILE BANKING, BILL PAY AND FINANCEWORKS: 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
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%)*.


Full Details

Less 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 EarningSM, Start BenefitingSM or Start RewardingSM 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.

All of our package accounts come with:

Free personal insurance review

With Beneficial Insurance Services, LLC**

Free initial financial consultation

With Beneficial Advisors, LLC

**Insurance and Annuity products available through Beneficial Insurance Services, LLC a wholly owned non-bank subsidiary of Beneficial Bank, are: Not a deposit - Not insured by the FDIC - Not insured by any Federal Governmental Agency - Not guaranteed by Beneficial Bank or any of its affiliates - Subject to Investment Risk, and May Go Down in Value.

†Wealth management services through INVEST are made available by Beneficial Advisors, LLC, a wholly owned non-bank subsidiary of Beneficial Bank. Financial Advisors of Beneficial Advisors, LLC are Registered Representatives of INVEST Financial Corporation (INVEST), member FINRA, SIPC, a registered investment advisor. INVEST is not affiliated with Beneficial Advisors, LLC or Beneficial Bank. INVEST, Beneficial Advisors, LLC and Beneficial Bank do not provide tax or legal advice. Please consult your tax and/or legal advisor for guidance on your particular situation. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are: Not a deposit or other obligation of any bank - Not insured by the FDIC - Not insured by any Federal Governmental Agency - Not guaranteed by Beneficial Bank or any of its affiliates - Subject to Investment Risk, including possible loss of principal.

From the Glossary

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

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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.