Frequently Asked Questions

Beacon Federal Credit Union is federally insured by the National Credit Union Administration. NCUA insures individual share accounts up to a combined $250,000. For more information, visit the NCUA website.

You can continue to keep your accounts with us. Once you become a member, we're financial partners for as long as you wish. You can use our 24/7 Online Banking and Mobile Banking services to manage your money.

Beacon FCU branch locations offer free notary services for our members. Non-members can also use our Notary service for a $6.00 fee.

Please contact your employer’s payroll or human resources department. You’ll need to provide your Beacon checking account number as well as our routing number (313085495). You can also use Direct Deposit for government checks and investment dividend payments.

Everyone who lives, works, worships or attends school in East Harris County, Texas is eligible to join Beacon FCU. This includes the following cities as well as others that share the same ZIP Code:

• Baytown
• Clear Lake
• Deer Park
• Friendswood
• La Porte
• Pasadena
• Pearland
• Seabrook
• South Houston
• Webster

You can also join if you’re an immediate family member (spouse, parent, child, sibling, grandparent, or grandchild) of a current Beacon FCU member.

Still have questions? Give us a call at 281.471.1782 or 1.800.868.6939. Once we've established your eligibility, we'll work with you to set up a savings account that establishes your Beacon membership.

Give us a call 1.888.886.0083

Visit your App Store for the online banking icon (dark blue background with the lighthouse outlined in white.) Our website address is www.beaconfed.org.

When you're low on checks, we know it's important to get replacements quickly. You can call one of our branch locations and ask to speak with a Financial Services Representative. You can also order online at OrderMyChecks.com.

You can contact the Credit Union to register your account via phone, visit a BFCU office in person or register under the login tab in the online banking popup.

You should let us know if you're going to places where you don't normally use your debit or credit cards. That will help us monitor for potentially suspicious card use. Please do one of the following three things a few weeks before your trip.

• Log into Online Banking.
• Log in to your account on our mobile App or website and click on Card Management under the Account section to input a travel notice.
• Call us at 281.471.1782 or 1.800.868.6939 and provide the same information.

Yes, for an $8 issuance fee we can replace a lost or stolen debit card. This includes a fee of $8 for replacing a lost debit card, whether it is mailed or instantly issued. In cases of verified fraud, there is no charge for replacing the card by mail; however, there is an $8 fee for instant issuance.

We have four banking locations: LaPorte, Baytown and Seabrook; at the HEB Deer Park; the hours of operation vary. Please see our branch locations page for details

• ATM day withdrawal limit is $520
• POS transaction (using PIN) $3,000 Purchase Limit (Online purchases or transactions processed as credit) $10,000

You will have to contact us.

You'll need this information to set up Direct Deposit, to receive a wire transfer, and for other actions. Our routing number is 313085495.

We do not have access to your password. We can send a temporary (numeric) password to your cell phone as a text message, to your email address on file or as a phone call to the number we have on file.

Online banking, mobile banking, e-statements, mobile wallets, mobile deposit checks, and e-signatures.

You can use the forgot user and/or forgot password tool. A temporary user name or password will be sent via text or email. If you get locked out, you will have to contact us.

Debit cards and credit cards can be reported LOST/STOLEN during business hours by calling 281-471-1782, after hours 866-820-2893; if the cardholder is overseas, card holders can call 727-572-8822.