PositiveChange Savings Accounts

Prepare for the future while saving and earning money. Add a savings account and enjoy overdraft protection transfers to your checking account for no additional fee. Our savings accounts are designed for a range of customers and include online and mobile banking.

Depending on the type of account, features include:

  • ATM card
  • eStatements
  • Online and mobile banking
  • Bill pay

Savings

An account with the essentials to begin building a healthy financial future.

  • Amount to Open: $50
  • Monthly Service Charge: $5/month
  • Waived If: $200/monthly avg balance, $200/monthly avg balance, Service Members/ Students/ Adults over 55*
  • Reduced by: $2/month with eStatements
  • Features: eStatements, Online banking, Mobile banking, Bill pay, ATM card***
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Money Market

You can earn a higher interest rate than with a savings account, with limited check-writing ability.

  • Amount to Open: $50
  • Monthly Service Charge: $15/month
  • Waived If: $3,000/monthly avg balance, Service Members/ Students/ Adults over 55*
  • Reduced by: $2/month with eStatements
  • Features: Checks, eStatements, Online banking, Mobile banking, Debit card***
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CDs

Certificate of Deposit accounts

  • Amount to Open: $250
  • Monthly Service Charge: N/A
  • Early withdrawal penalty may apply: Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance. Assessment of penalties can reduce principal and earnings.
  • Interest: Compounded daily. Interest paid monthly, quarterly, or added back into the account
  • Terms of 3 to 60 months
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IRAs

Individual Retirement Accounts

  • Amount to Open: $250
  • Monthly Service Charge: N/A
  • Early withdrawal penalty may apply: Bank and IRS penalties may be imposed for early withdrawal. Assessment of penalties can reduce principal and earnings.
  • Interest: Compounded daily. Paid quarterly.
  • Terms of 3 to 60 months
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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.

ATMs

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 | Shazam | VISA.

In order to receive discounted pricing*:

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

Documents & Resources

To learn more about accounts available in your area, call our Customer Care Center at 888-326-2265