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.


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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. 


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: ATM card***, eStatements, Online banking, Mobile banking, Bill pay

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, Debit card***, eStatements, Online banking, Mobile banking

CDs

  • Great for established businesses with low to medium volume
  • 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  • Early withdrawal penalty may apply: Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance, Assessment of penalties can reduce principal and earnings.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

IRAs / ESAs

  • 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.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

eStatement Agreement

eNotice Agreement

Deposit Account Agreement and Disclosure