Personal Checking

PositiveChange Personal Accounts

Your deposits matter. Your deposits allow us to empower change-makers that are working toward meaningful social justice outcomes and environmental sustainability. Your deposits can create the positive change you want to be reflected in our communities.

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PositiveChange Checking Accounts

Our personal checking and savings accounts are designed for a range of customers and include online and mobile banking. Add a savings account and enjoy overdraft protection transfers to your checking account for no additional fee.

Dependent on the type of account, features include:

  • Debit card (all accounts)
  • Unlimited debit card transactions
  • Checks
  • eStatements
  • Online and mobile banking
  • Bill pay

To learn more about accounts available in your area, call our Customer Care Center at 888.326.2265.

eChecking

  • An online account with all the basics, for checking on the go
  • Amount to Open: $50
  • Monthly Service Charge: $0/month
  • Please Note: eStatement required
  • Features: Debit Card***, Online Banking, Mobile Banking, Bill Pay.

Checking

  • Great for established households w/ our full suite of features
  • Amount to Open: $50
  • Monthly Service Charge: $5/month
  • Waived if: $500/month average balance, Automatic loan payment, Bill pay, Service Member/Student/Adults over 55*
  • Reduced by: $2/month with eStatements
  • Features: Checks, Debit Card***, eStatements, Online Banking, Mobile Banking, Bill Pay.

Interest Checking

  • Interest earning account for households that keep higher balances
  • Amount to Open: $50
  • Monthly Service Charge: $10/month
  • Waived if: $2,500/month average balance, Combined average balance of $10,000 in money market and/or savings, $1,500 monthly direct deposit, Bill pay, Service Member/Student/Adults over 55*
  • Reduced by: $2/month with eStatements
  • Features: Checks, Debit Card***, eStatements, Online Banking, Mobile Banking, Bill Pay.

Important Information

*Service members/students/adults aged 55 and older must show appropriate identification.

**Additional fees may apply, please see Schedule of Fees and Charges.

***$2.50 transaction fee for withdrawals at foreign ATMs (other banks may charge a fee). Any ATM not in the Beneficial State Bank ATM network is a non-network ATM.

If you’re a Beneficial State account holder in search of our routing number, it’s 121182056.

ATMs

Any ATM not in the Beneficial State Bank ATM network is a non-network ATM. Our network includes our branches and thousands of ATMs coast to coast in the United States. Visit their websites to find locations convenient for you. moneypass.com | shazam.net | visa.com.

In order to receive discounted pricing*:

  • Service Men & Women / Seniors / Students must show appropriate identification.
  • Seniors must be over 55 years old

Documents & Resources

eStatement Agreement

eNotice Agreement

Deposit Account Agreement and Disclosure

Schedule of Fees and Charges