Better checking begins with Beacon
Looking for a basic checking account to manage your money, or something more rewarding?
No matter what type of checking you seek, Beacon FCU’s got you covered with several different account choices.
Although each option is designed to suit different member needs and goals, all Beacon FCU checking accounts share these great features:
Access to thousands of ATMs nationwide and across the globe
Debit card with chip technology for added security. Add it digitally to your Apple or Android wallet
Monthly eStatements detailing your account activity
Which checking account is right for you? Check out your options and meet your match.
Checking
Simple. Smart. Streamlined.
A Beacon Checking account is perfect for members who want an account that’s easy to manage with a few digital tools for convenience.
- No monthly fees
- No minimum balance
- Free Online Banking with Electronic Bill Pay
- Free Mobile Banking app
- Access to thousands of ATMs nationwide and across the globe
- Visa ATM card with chip technology for added security
- Monthly eStatements detailing your account activity
Vision Rewards Checking
Spend, deposit, and watch your money grow.
With a Vision Rewards Checking account, you can earn extra cash simply by making monthly debit card purchases and taking other simple steps.
You can earn:
- 1.00% APY* on balances up to $20,000
- 0.05% APY* on balances over $20,000
- 0.00% APY* if requirements are not met
It’s easy to meet the requirements for earning money through Vision Rewards Checking:
- Complete 12 debit card purchases that post to and clear your Beacon FCU account within the monthly qualification cycle.
- Activate one continuous ACH Direct Deposit or Auto Debit which posts to and clears Vision Reward account during monthly qualification cycle.
- Enroll in and receive monthly eStatements.
* Annual Percentage Yield
Courtesy Pay and Overdraft privileges are only available on accounts in good standing. Rate quoted as of January 8, 2024. Rates and monthly qualification cycle dates are subject to change without notice. Reward Rate of 1.00% APY will be paid during each monthly cycle when the minimum qualifications are met. ATM refunds credited when all qualifications are met; only US ATMs -International ATMs do not qualify. Maximum five dollars ($5.00) per transaction and twenty dollars ($20.00) monthly maximum. Base rate of 0.05% APY will still function as a checking account however it will not receive ATM fee refunds for that time period.
** Transactions must be cleared by the qualification end date.
| Monthly Qualification Cycle Dates | |
|---|---|
| Beginning Date | End Date |
| June 29, 2024 | July 30, 2024 |
| July 31, 2024 | August 30, 2024 |
| August 31, 2024 | September 28, 2024 |
| September 29, 2024 | October 30, 2024 |
| October 31, 2024 | November 29, 2024 |
| November 30, 2024 | December 30, 2024 |
| December 31, 2024 | January 30, 2025 |
|
Courtesy Pay and Overdraft privileges are only available on accounts in good standing. Rate quoted as of January 8,2024. Rates and monthly qualification cycle dates are subject to change without notice. Reward Rate of 1.00% APY will be paid during each monthly cycle when the minimum qualifications are met. ATM refunds credited when all qualifications are met; only US ATMs -International ATMs do not qualify. Maximum five dollars ($5.00) per transaction and twenty dollars ($20.00) monthly maximum. Base rate of 0.05% APY will still function as a checking account however it will not receive ATM fee refunds for that time period. ** Transactions must be cleared by the qualification end date. |
|
Youth Spending Account
Spending account for the cool kids on the block.
Beacon FCU is excited to help cultivate positive financial habits for your teen or child.
Help your teen grow a sense of independence while learning to manage money by opening a Youth Spending account. It comes with loads of cool features as well as scholarship and volunteer opportunities.
- Tweens and Teens ages 10-18 eligible*
- No monthly service charge
- No minimum balance requirement
- Visa ATM/Check card**
- Volunteer opportunities
- Financial education seminars
- Scholarships*** offered annually
*A parent or legal guardian is required to co-sign as a joint owner on the account.
** Maximum $300 daily card limit.
***Scholarships are offered to local graduating seniors only. Applications for scholarships are available at each Beacon Federal Credit Union office location. Other rules and qualifications apply.
Fresh Start Checking
Beacon believes in second chances.
Everyone makes mistakes. If you’ve run up a sizeable debt or have had other financial issues, our Fresh Start Checking account can help you get back on track.
- Minimum balance $25
- Monthly fee of $12
- Debit card available at no charge
- Electronic Bill Pay services available
- Fast track your paycheck into your account with Direct Deposit
- Coverage for up to five insufficient fund fees to a Maximum of 5 NSFs allowed in a rolling 6-month period
- Complete a free Debit in Focus financial education program
Youth Spending Accounts
- No monthly fees
- Your own ATM/Debit Card
- Online and mobile banking
- Scholarship opportunities
- Ages 10-18
Scholarships
You’ve got class. We’ve got cash! Apply today: One of three $2,000 scholarships or One of three $1,000 scholarships!