Personal Savings

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.


OPEN AN ACCOUNT NOW




PositiveChange Savings Accounts

Our savings accounts are designed for a range of customers and include online and mobile banking. 

Dependent on the type of account, features include:

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

To learn more about accounts available in your area, call or email our Customer Care Center at  support@beneficialstate.com or 888.326.2265



An account with the essentials to begin building a healthy financial future.
Amount to open: $50
Monthly Service Charge: $5
Waived if: $200/monthly avg balance, $200/monthly avg balance, Service Members/ Students/ Adults over 55*
Reduced by: $2/month with eStatements
Features: ATM card***, eStatements, Online banking, Mobile banking, Bill pay
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
Waived if: $3,000/monthly avg balance, Service Members/ Students/ Adults over 55*
Reduced by: $2/month with eStatements
Features: Checks, Debit card***, eStatements, Online banking, Mobile banking
A certificate of deposit account is ideal for households who prefer fixed returns.
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Early withdrawal penalty may apply: Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance, Assessment of penalties can reduce principal and earnings.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
Individual Retirement Accounts and Education Savings 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


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

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.  https://www.star.com/locator/ | www.moneypass.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

Online Banking Access Agreement and Electronic Funds Transfer

eStatement Agreement

Deposit Account Agreement and Disclosure