Frequently Asked Questions
You have questions. We have answers.
Want to talk to a team member?
You can reach us at 888-326-2265 during our Customer Care Center hours: 8 AM to 6 PM, Monday through Friday, and 10 AM to 2 PM on Saturday.
Need to reach Telephone Banking?
You can reach our automated customer service line 24/7 at 833-OUR-HERO (833-687-4376)
Need assistance with your auto loan?
You can reach our specialized auto loan customer service team at 800-550-5790. Click to make a payment.
Need to activate your credit, debit, or ATM card?
Credit Cards: Call 800-543-5073.
Debit Cards: Call 800-717-4923.
ATM Cards: To set up a PIN for your ATM card, contact the Customer Care Center. No bank employee will ever ask you for your PIN.
Managing your card? Start here.

Debit card lost or stolen?
If your debit or ATM card is missing, reach us at 888-326-2265, Monday - Friday 8 AM to 6 PM, 10 AM to 2 PM on Saturday, or 855-219-5399 after hours.

Managing your Business Credit Card?
For issues with your account login, please reach out to your Company Administrator. For general questions, including a lost or stolen card, call 833-498-2465.

Need help with your personal Visa card?
For issues with your account login, call 866-572-1637. For general questions, including a lost or stolen card, call the number located on the back of your card or at the top of your statement.
Still need answers? Here are a few more.
Find a Branch or ATM
On the hunt for a Beneficial State location or ATM? Or need branch hours?
Peer-to-Peer (P2P) Payments
We offer several ways to easily send payments to friends and family members.
Looking for our disclosure statement?
If you’re curious about how we’re doing, you can access our public annual disclosure statement.
Review our Privacy Policy
Our Privacy Policy explains how we use and protect your customer information.
Customer Care Center
General customer support: 888-326-2265
Hours:
Monday - Friday: 8 AM - 6 PM Pacific Time
Saturday: 10 AM - 2 PM Pacific Time
Auto Loan Customers
Hours:
Monday - Friday: 8 AM - 6 PM Pacific Time
Payment Addresses:
- Payment Address: Beneficial State Bank, PO Box 2900, Porterville, CA 93258
- Overnight Address: Beneficial State Bank, 268 N Main St., Building #2, Porterville, CA 93257
Credit Card Customers
For existing credit card customers:
Hours: Available 24/7
For questions about products or an existing application:
Hours: Monday – Friday, 9am – 5pm PT