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: To activate your credit card, call 800-543-5073.

Debit Cards: To activate your debit card, 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.

Need to order checks?

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

Need to reorder checks?

If you have ordered checks since 2020, you can reorder here.

Managing your card? Start here.

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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.

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Managing your Business Credit Card?

For issues with EZCardInfo login, please reach out to your Company Administrator. For general questions, including a lost or stolen card, call 833-498-2465.

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Need help with your personal Visa card?

For issues with EZCardInfo 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.

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Still need answers? Here are a few more.

Ready to pay your loan?

If you financed your consumer loan through Beneficial State, you can make payments here.

Routing number

Beneficial State Bank's routing number is 121182056.

Find a Branch or ATM

On the hunt for a Beneficial State location or ATM? Or need branch hours?

Looking for our disclosure statement?

If you’re curious about how we’re doing, you can access our public annual disclosure statement.

Learn about our community commitment

Curious about our history, community involvement, and more?

Review our Privacy Policy

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

Customer Care Center



Monday - Friday: 8 AM - 6 PM Pacific Time
Saturday: 10 AM - 2 PM Pacific Time

Auto Loan Customer Service


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 Customer Service

For existing credit card customers:


Hours: Available 24/7

For questions about our products or an existing application:


Hours: Monday – Friday, 9am – 5pm PT