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  • Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance.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?

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.