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
4.250% 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

Start Earning 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.

¥The “Package Rate” means 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.

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 Rewarding Package

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

¥The “Package Rate” means 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.

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 Benefiting℠ 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.

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 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%.

Everything on the table

A complete breakdown of all our accounts.

 Start Earning℠ PackageStart Rewarding℠ PackageStart Benefiting℠ Package
BEST IF YOU WANT:To earn more and save moreHigher deposit balances with bigger rewardsChecking 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 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 between your checking, savings, money market, and time deposit accounts or establish direct deposit and have the $8 monthly service charge waived
DEBIT CARD:FREEFREE with higher limits availableFREE
EARNS INTEREST:YesYesYes
ONLINE & MOBILE BANKING, BILL PAY AND FINANCEWORKS:FREEFREEFREE
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 cycleßNo
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
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.

All of our package accounts
come with:

**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.

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.