Wherever you are in life, we've got the savings account for you.
These rates are not guaranteed and are subject to change without notice. This is not a credit decision or a commitment to lend.
Wherever you’re going in life, we’ll help you save for it.
This account puts your money to work for you. We'll send you monthly statements so you can track your money as it grows.
Earn interest on balances of $25 or more | We'll waive the $5 monthly service charge if a $50 minimum daily balance is met
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A passbook account lets you track deposits, withdrawals and your money’s growth.
We’ll waive the $3 monthly service charge if a $50 minimum daily balance is met | Open an account for as little as $25
Exclusively for Start Earningsm, Start Rewardingsm or Start Benefittingsm Package customers.
No monthly service charge | Tiered rates let you get higher interest rates as your savings grows
This account lets you earn higher interest rates with access to tiered rates while still having easy access to your savings – you can transfer money by pre-authorized, automatic, telephone, debit card or check to a third party up to six times a month.
If you agree to keep your money at Beneficial for a certain amount of time, you’ll get a higher interest rate than a traditional savings account. Deposits start at $500, and terms range from 3 months to 5 years.
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The best way to save big is to start early.
Children up to 17 years old can open a savings account in their own name, receive a monthly statement and watch their savings grow. We’ll even put $10 in their account just to get them started.**
No monthly service charge
| Tiered rates so your interest rate grows with your balance |
Open with as little as $5
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**Offer subject to availability. Beneficial Bank reserves the right to withdraw this offer at any time.
With this account, college students between 18 and 25 can save money without a monthly service charge and earn interest while they earn their degree.
No monthly service charge | Tiered rates mean your interest rate grows with your balance
Education and Retirement Savings
Targeted savings for a smarter future.
It’s never too late to start saving for college. You may contribute up to $2,000 per year to these tax-free Time Deposit accounts for chidren under age 18 to cover education-related expenses.
Earn interest on balances as low as $10 | Direct deposit available into this account from other Beneficial checking or savings accounts
Contributions to this IRA, a time deposit with terms available from 6 months to 5 years, may be fully or partially deductible from your current income taxes, depending on your circumstances. Generally, amounts in your traditional IRA (including earnings) are not taxed until distributed.*
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Want more out of retirement? Check out our Start BenefitingSM package.
*Consult your tax advisor.
Contributions to this Roth IRA, a time deposit with terms available from 6 months to 5 years, cannot be deducted from current income taxes, but qualified distributions are tax-free as long as the plan has been in effect for at least five years and the account holder has reached age 59½. Unlike a traditional IRA, you may make contributions to your Roth IRA after you reach age 70½ and there are no required minimum distributions while the account owner is alive.*
Smarter banking means being prepared for upcoming medical costs that may be in your future. This specialized, tax-favored account is available to you if you have a High Deductible Health Plan.
Your money gains interest
until you’re ready to use it
HSA contributions by eligible
individuals are tax-deductible*
HSA contributions by
employers are excluded
HSA earnings are tax-deferred*
A complete breakdown of all our accounts.
1Transfers by pre-authorized, automatic, telephone or debit card to a third party or other account are limited to six (6) per month.
2Transfers by pre-authorized, automatic, telephone, debit card or check to a third party or other account are limited to six (6) per month.
Lots of ways to stay smart with your money.
If you've got questions, here’s a good place to start.
Protecting Yourself Against Identity Theft
Learning to Budget
Establishing or Improving Credit
A First-Year Money Management Guide for the New College Grad
Preparing to Buy a Home: What Do You Need to Know?
Achieving Financial Independence
Compound Interest Calculator
See full Learning Library
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
SWIFT Code: BENFUS33
© 2017 Beneficial Bank
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© 2017 Beneficial Bank
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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.