Frequently Asked Questions

Quick Links & Information
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Frequently Asked Questions About:

ATM and Debit Card Icon
Debit & ATM Cards
Auto Loan Icon
Auto Loans
Credit Card Icon
Credit Cards
Business Nonprofit Handshake Icon
Business & Nonprofit
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Additional Services
Regulatory and Disclosures Paper Icon
Regulatory & Disclosures
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Debit & ATM Cards
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  • How do I activate my debit card?

    Call 800-717-4923 to activate your debit card.

  • How do I activate my ATM card?

    When we send your ATM card, we also send you a separate document with your PIN, which should arrive within one day of your ATM card. If you would like immediate access to your ATM card or if your PIN information did not arrive, contact the Customer Care Center. No bank employee will ever ask you for your PIN.

  • What should I do if my debit or ATM card is lost or stolen?

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

Auto Loans
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  • How do I make an auto loan payment?

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

  • How do I check my auto loan balance?

    You can check your balance by logging into online banking. In the top right of the Beneficial State Bank website, click Log In and select Auto Loan. You’ll need to enroll the first time you access your account.

  • How can I apply for an auto loan or refinance my current loan?

    You can apply online through our website. Through the application process, you can get a pre-approval to know how much you can spend on your next vehicle. You can also apply to refinance your current non-commercial auto loan to lower your rate or payment amount.

  • How can I update my auto insurance?

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

  • How can I change my auto loan due date?

    For a due date change, contact our auto loan 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.

  • How can I make payment arrangements?

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

  • What should I do if my vehicle has been involved in an accident or impounded?

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

  • How can I add Beneficial State Bank as the lienholder/loss payee for my auto insurance policy?

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

  • How can I get support with my auto loan?

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

Credit Cards
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  • What should I do if my credit card is lost or stolen?

    Call 833-498-2464 and follow the prompts for a lost or stolen card.

  • How can I get help with logging into my credit card account online?

    For issues with your account login like forgotten username or issues resetting your password, call 866-604-0380.

  • How do I make a payment or view my statement online?

    From the Beneficial State Bank website, in the top right, click Log In, and select Credit Card. Follow instructions to make your payment or view your statement.

  • How can I make a payment over the phone?

    Call 833-498-2464, available 24/7, and follow the prompts.

  • How can I make a payment by mail?

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

    Beneficial State Bank
    P.O. Box 6818
    Carol Stream, IL 60197-6818

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

  • How can I activate my credit card?

    Call 800-543-5073 to activate your credit card.

  • How can I donate or redeem my Climate Card rewards?

    When you use your Climate Card, you’ll earn points for everyday purchases. Learn how you can redeem your points for merchandise, airline tickets, cash back, or donations to pre-approved nonprofit organizations.

  • How can I get support with my credit card?

    Our credit card support team is here to support you with any questions.

Business & Nonprofit
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  • How can I get support with my business or nonprofit banking?

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

  • I’m interested in banking with Beneficial State Bank for my business or nonprofit.

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

Additional Services
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  • How can I send peer-to-peer (P2P) payments?

    We offer several ways to easily send payments to friends and family members. See payment instructions.

  • How do I order checks for the first time?

    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.

  • How can I reorder checks?

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

  • How can I receive a domestic incoming wire?

    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.

  • How can I receive an international incoming wire?

    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.

  • How can I send a domestic or international 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.

Regulatory & Disclosures
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  • How can I apply for a job at Beneficial State Bank or check the status of my job application?

    If you want to view current openings or are ready to apply, look at our open positions.

    If you've already applied, you can log back into your Careers account and check the status. If you’ve forgotten your password to your job application, hit the Careers account link and click “forgot password” to reset your password using your e-mail address you provided.

  • How can I learn more about working at Beneficial State Bank?

    Our Careers page has information on our mission, vision, benefits, and perks of working for this amazing company! Still have questions? Reach out to our Human Capital team at

  • How can I obtain proof of employment or employment verification information?

    Our Human Capital team is happy to provide you proof of employment, whether you’re a current or past employee or a third party requesting employment information. You can reach them at

    • If you are a current or past employee, we may require you to verify your identity.
    • If you are a third party seeking to obtain employment information about a current or past employee, you are required to include a signed authorization from the employee to release information. No information will be provided without this release.