Our Classic Checking account is our most popular account with our members. This account offers you the benefits of a checking account without the high cost fees some institutions charge. We ask you open the account with an initial $25 deposit, but do not require a minimum balance going forward. Stop in one of our locations and open your Classic Checking account.
Classic Checking Benefits
- No minimum balance or monthly maintenance fees
- $25 deposit initial deposit required, no minimum thereafter
- Free Debit Card with unlimited transactions
- Instant Issue Debit card available with $150 cash deposit
- Receive your pay up to 1 day early based on employer*
- Free online account access www.beaconccu.org
- Free mobile account access with Beacon CCU Mobile
- 24/7 Audio Teller access to balances at 1-855-327-8902
- Deposit a check from your phone using SnapCheck Remote Deposit
- Unlimited check writing
- Free online Bill Payer
- FREE eStatments
- ATM access to nearly 30,000 surcharge-free ATMs through MoneyPass and Alliance One and CO-OP ATM Network.
- Optional Overdraft protection (upon approval)
- FREE use of thousands of CO-OP Shared Branch locations
- And more...
Our Classic Gold checking account is for members age 65 and older. This account offers you the benefits of our Classic checking account plus one free order of our Beacon CCU duplicate checks annually. We ask you open the account with an initial $25 deposit, but do not require a minimum balance going forward. Stop in one of our locations and open your Classic Gold checking account.
Classic Gold Checking Benefits
- For members age 65 and older
- No minimum balance or monthly maintenance fees
- $25 deposit initial deposit required, no minimum thereafter
- Free Debit Card with unlimited transactions
- Instant Issue Debit card available with $150 cash deposit
- Receive your pay up to 1 day early based on employer*
- Free online account access www.beaconccu.org
- Free mobile account access with Beacon CCU Mobile
- 24/7 Audio Teller access to balances at 1-855-327-8902
- Deposit a check from your phone using SnapCheck Remote Deposit
- Unlimited check writing
- Free online Bill Payer
- FREE eStatments
- ATM access to nearly 30,000 surcharge-free ATMs through MoneyPass and Alliance One and CO-OP ATM Network.
- Optional Overdraft protection (upon approval)
- FREE use of thousands of CO-OP Shared Branch locations
- And more...
Our Second Chance Checking account does just what the name implies, it offers you a second chance to have a checking account when you have been denied for a checking account elsewhere. To open a checking account we verify your checking account history using a nationwide reporting service called TeleCheck. If you’ve had a checking account closed while you still owe money most likely you have been reported to TeleCheck, or a similar service. In the past, that meant you could not open a checking account with us until you paid any amount you owed to another institution. Now we offer you our Second Chance Checking. This account requires direct deposit and a $10 monthly fee for a minimum of six months. After six months of no negative activity, we cancel the monthly fee and it transfers to our FREE Classic Checking account.
Second Chance Checking Benefits
- Direct Deposit Required
- $35 deposit to open. ($25 deposit and $10 fee)
- $10 fee per month for minimum of 6 months. Fee waived after 6 months of no negative activity
- Receive your pay up to 1 day early based on employer*
- FREE Debit Card with unlimited transactions (after direct deposit starts)
- FREE mobile account access with Beacon CCU Mobile
- 24/7 Audio Teller access to balances at 1-855-327-8902
- Unlimited check writing
- FREE online Bill Pay
- FREE eStatements
- ATM access to nearly 30,000 surcharge-free ATMs through MoneyPass and Alliance One and CO-OP ATM Network.
- FREE use of thousands of CO-OP Shared Branch locations
- And more...
Our Collegiate Checking account is for full time college students between the ages of 18 and 23 with a valid student ID. Taking the first step to becoming a responsible adult is hard and we offer a checking account to help make it a little easier. This account offers you the benefits of a checking account without the high cost fees some institutions charge. This account allows 3 NSF or overdrawn fees to be forgiven per calendar year. We ask you open the account with an initial $25 deposit, but do not require a minimum balance going forward. Stop in one of our locations and open your Classic Checking account.
Collegiate Checking Benefits
- No minimum balance or monthly maintenance fees
- $25 deposit initial deposit required, no minimum thereafter
- Free Debit Card with unlimited transactions
- Instant Issue Debit card available with $150 cash deposit
- Receive your payroll up to 1 day early based on employer*
- Free online account access www.beaconccu.org
- Free mobile account access with Beacon CCU Mobile
- 24/7 Audio Teller access to balances at 1-855-327-8902
- Deposit a check from your phone using SnapCheck Remote Deposit
- Unlimited check writing
- Free online Bill Payer
- FREE eStatments
- ATM access to nearly 30,000 surcharge-free ATMs through MoneyPass and Alliance One and CO-OP ATM Network.
- Optional Overdraft protection (upon approval)
- FREE use of thousands of CO-OP Shared Branch locations
- And more...
Our High Yield Checking account is an interest bearing checking account on your average monthly balance of up to $10K. This account offers you the benefits of a checking account without high cost fees some institutions charge. We ask you open the account with an initial $25 deposit. To earn dividend you must meet the following requirements monthly.
High Yield Checking Requirements for dividend
- You must request a High Yield Checking
- Minimum balance $500
- Direct deposit to HY Checking of at least $800 per month
- eStatements
- Minimum 12 debit card purchases on this suffix monthly
- Current on all BCCU loans
High Yield Checking Benefits
- No minimum balance, however, no dividends paid if you do not meet all requirements and maintain $500 balance monthly.
- Free Debit Card with unlimited transactions
- Instant Issue Debit card available with $150 cash deposit
- Receive your pay up to 1 day early based on employer*
- Free online account access www.beaconccu.org
- Free mobile account access with Beacon CCU Mobile
- 24/7 Audio Teller access to balances at 1-855-327-8902
- Deposit a check from your phone using SnapCheck Remote Deposit
- Free online Bill Payer
- FREE eStatments
- ATM access to nearly 30,000 surcharge-free ATMs through MoneyPass and Alliance One and CO-OP ATM Network.
- Optional Overdraft protection (upon approval)
- FREE use of thousands of CO-OP Shared Branch locations
- And more...
Our Money Market Checking account is an interest bearing tiered account. This account offers you the benefits of a checking account without the high cost fees some institutions charge. We ask you open the account with a minimum $2500 deposit. Dividend based on account balance. Stop in one of our locations and open your Classic Checking account.
Money Market Account Benefits
- $2500 minimum balance to open Money Market Checking
- Tiered dividends
- $2500 - $10,000
- $10,001 - $25,000
- $25,001 – $50,000
- Over $50,000
- Maximum 3 share drafts per month drawn on MM
- Maximum 3 withdrawals or transfers per month
- Receive your pay up to 1 day early based on employer*
- Free online account access www.beaconccu.org
- Free mobile account access with Beacon CCU Mobile
- 24/7 Audio Teller access to balances at 1-855-327-8902
- Deposit a check from your phone using SnapCheck Remote Deposit
- FREE eStatements
- FREE use of thousands of CO-OP Shared Branch locations
- And more...
Checking Account FAQs
Can I reorder checks online?
Beacon partners with MainStreet to safely and conveniently provide online check reordering. If you have your routing/transit number and account number, you are ready to reorder checks online.
Reorder Checks
How can I stop a payment?
You may request stop payment for a check that has not cleared your account. A stop payment is good for six months, and a stop payment fee will be charged to your account. To stop payment on a check, contact one of our member service representatives. You cannot put a stop payment on a debit card transaction.
Note: Stop payment requests do not apply to online bill payments. For help with bill pay payments, please call a IPay Customer Service Professional 1-888-285-5719.
Why was I assessed an ATM fee?
You may be charged a terminal fee by another financial institution when using your Beacon ATM or Debit card at their ATM. Fifth-Third ATM’s can be used with a reduced surcharge of .50 per transaction. To find surcharge free ATM’s please use our ATM locator.
For more information on fees and disclosures, view our rates and fee schedule.
What is an ACH transaction?
Any item that posts to a checking account which was initiated by the member providing their account and routing number electronically. Examples: Insurance Premiums, Cell Phone payments, Utility payments.
How do I dispute an ACH transaction?
Call one of our locations and speak to a member service representative - 502-366-6022, 502-957-1277, or 502-448-1686.
How can I dispute a transaction posting to my checking or savings account?
Call one of our locations and speak to a member service representative - 502-366-6022, 502-957-1277, or 502-448-1686.
How can I get a status update on a dispute previously submitted?
Call 502-366-6022, 502-957-1277, or 502-448-1686 to speak with a member service representative. In most dispute instances you will be contacted by our Compliance Officer to discuss your dispute options and results.
What are transactions appearing in the Pending section of my on-line statement?
Once an authorization has been obtained by a merchant, the amount of the authorization is immediately deducted from the available balance of the checking account.
How do I dispute a fraudulent transaction appearing in the pending section of my on-line statement?
If the transaction is fraudulent, please call 502-366-6022, 502-957-1277, or 502-448-1686 and speak with a member service representative. If you notice the transaction after hours call 1-888-263-3370 to report your card compromised if you did not initiate the transaction. You can respond to instant transaction alerts and turn your card on/off by downloading MyMobileMoney and registering your Beacon CCU debit card.
How long is a transaction in a pending status?
This depends on when the merchant's card processor submits the clearing file. This must happen before the transaction posts to your account. Turnaround time is typically 1-3 business days. An authorization does not necessarily indicate the amount that will be presented for payment nor that a transaction will be presented for payment.