FDIC Logo FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Savings Accounts

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.

All personal savings accounts include:

  • eStatements (optional)
  • Online and mobile account access

Savings

An account with the essentials to begin building a healthy financial future.

  • Minimum opening balance: $50
  • Service charge: $5/month, waived if:
    • $200/month avg balance
    • Primary tax holder is minor under 18
  • Features: Online and mobile banking, Bill pay, ATM card***

Money Market

You can earn a higher interest rate than with a savings account, with check-writing ability.

  • Minimum opening balance: $50
  • Service charge: $15/month, waived if:
    • $3,000/month avg balance
  • Features: Online and mobile banking, Check-writing ability, ATM card***

Certificate of Deposit (CD) Accounts

Earn interest on your deposit for a fixed time period.

  • Minimum opening balance: $250
  • Service charge: N/A
  • Terms of 3 to 60 months; 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  • Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance.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

Individual Retirement Accounts (IRAs)

A tax-advantaged long-term savings account to help you save for retirement.

  • Minimum opening balance: $250
  • Service charge: N/A
  • Terms of 3 to 60 months; early withdrawal penalty may apply
  • Bank and IRS penalties may be imposed for early withdrawal. Assessment of penalties can reduce principal and earnings.
  • Interest: Compounded daily. Paid quarterly.

Ready to open an account?

Visit a Branch

Coming soon! Improved online account opening later this year. Sign up to get notified when online account opening is available.

Important Information

**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

Our network includes our branches and thousands of ATMs coast to coast in the United States. See all branches and surcharge-free ATMs.

Documents & Resources

To learn more about accounts available in your area, call our Customer Care Center.