Frequently Asked Questions

Call 800-992-3808 to activate your debit or ATM card and set up your PIN. Please call from the phone number you provided when you created your account.

If your debit or ATM card is missing, contact us as soon as possible.

We offer several ways to make a payment on your auto loan, including online, through our app, via phone, or by sending a check through the mail. See payment details.

If you fail to pay any installment by the time it is due, you will pay additional interest on the overdue amount and your loan may not be paid in full at the end of the term.

If payment is not received in full within 10 days after it is due, you will pay a late charge of 5% of the part of the payment that is late.

You can check your balance by logging in to online banking. In the top right of the Beneficial State Bank website, click Log In and enter your username and password. You’ll need to register the first time you access your account.

You can apply online through our website. You can also apply to refinance your current non-commercial auto loan to lower your rate or payment amount.

If you have a new or updated auto insurance policy, upload your new insurance policy.

For a due date change, contact our support team. We’ll see if we can move your monthly payment due date to a day that works better for you. Some restrictions may apply.

If you have missed a payment or think you may miss an upcoming payment, contact our support team as soon as possible. We’ll review your account and try to work with you to make arrangements. Some restrictions may apply.

Contact our Collateral department as soon as possible at 559-793-0373, available Monday through Friday, 8 AM – 5 PM Pacific Time.

Use the following address to add Beneficial State Bank to your auto insurance policy:
PO Box 690688
San Antonio, TX 78269

Our support team is here to help you with any questions.

We've put together a guide to walk you through each element of your auto loan bill.

Call our Customer Care team and we will be happy to help you out. We can help you report your credit card lost or stolen, make a payment over the phone, troubleshoot issues with online banking, or any other issues with your credit card.

Call 866-691-4720 to activate your credit card.

You can make your credit card payments via check/money order or bill pay. Mail to:

Beneficial State Bank
P.O. Box 2711
Omaha, NE 68103-2711

If using bill pay, put your full 16-digit account number in the memo field on the bill payer screen.

To access and redeem rewards for your credit card, you first need to create an account with ScoreCard Rewards. To register, you’ll need to create a username and password, provide your credit card number, and share some basic personal information to verify your identity.

Once you have created your account, log in any time to view your rewards and redeem them for merchandise, airline tickets, cash back, or charitable donations to pre-approved nonprofit organizations.

Reach out to your primary officer. If you’re not sure who this is, the Customer Care Center can help you find this information.

We would love to connect with you. Share some information with us and one of our bankers will follow up with you.

Signing up for eStatements makes viewing your statements your statements convenient, safe, and environmentally friendly. To turn off paper statements and opt in to receive eStatements:

1. Log in to online banking.
2. Click "Accounts," then "Statements."
3. Read and follow the instructions to eSign the eStatement Agreement.
4. Select "Electronic" next to your accounts and unselect "Paper."

You can choose between our standard Beneficial State Bank-branded check or many other check designs. Browse check designs. Once you’re ready to order, call our Customer Care Center.

If you’ve ordered checks after January 1, 2020, you can reorder online.

Use the information below to receive a domestic wire. To ensure proper routing and delivery of funds, be sure all fields are used. Missing or inaccurate details can cause posting delays, returned wires, or even loss of funds.

Bank Name: Beneficial State Bank
Wire Transfer Routing Number: 121182056
Account Holder: Your Name
Account Number: Your Bank Account Number

Bank Address, with City & State:
1438 Webster St. Suite 100
Oakland, CA 94612

All wires received are subject to review prior to posting to your account. Beneficial State Bank and our third-party service provider have the right to return or reject a wire for any reason. To avoid having a wire returned, provide the sender with all necessary information and the names exactly as they appear on your accounts.

Call our Customer Care Center, go in-person to a branch near you, or reach out to your primary account officer for assistance with receiving an international incoming wire.

Our branch staff will be happy to assist you with sending a domestic or international wire. Find the branch nearest you and then call or come in person to initiate a wire transfer.

We are proud to publish our CRA Public File, which shows that we received an "Outstanding" CRA rating in our most recent evaluation.

Our Privacy Policy explains how we use and protect your customer information.

We publish instructions for how to access our public annual disclosure statement.