Personal Frequently Asked Questions
Questions? We have answers.
General
To improve your banking experience, we’re updating certain account types to enhanced Beacon Bank products with simpler, more flexible options and updated features.
Effective dates vary by account type and occur between September 10 and September 17, 2026. Refer to your personalized notification for your account's effective date.
No. Your account will automatically transition to the new Beacon Bank product on the effective date listed in your notification. No action is required.
Accounts & Services FAQs
No. Your account number will remain the same, and you can continue using your account as you do today.
The Beacon Bank routing number is 211371489. Please note existing routing numbers still work at this time.
Yes. Your debit card and account access will continue to work as they do today. There is no interruption to your banking services.
Yes. Online & Mobile Banking will remain the same, and you'll continue to have uninterrupted access to your accounts.
Yes. Direct deposits, recurring payments, automatic transfers, and other scheduled transactions will continue without interruption.
Changes vary by account type and may include updates to fees, interest earnings, ATM benefits, account features or included services. Your personalized notification outlines exactly what is changing for your account.
Your notification letter identifies any accounts that are transitioning to a new product. If an account is not listed, it is not changing.
Some accounts will see fee increases, some will see fee decreases, and others will continue to have no monthly maintenance fee. Refer to your product-specific information for details.
Some updated products offer ways to waive monthly maintenance fees, such as:
- Receiving a qualifying direct deposit
- Maintaining a required average monthly balance
- Maintaining a qualifying combined balance relationship
Requirements vary by account type. Please review your account-specific information.
Not all accounts will continue to earn interest. Some products will stop earning interest, while others will move to a new interest-rate structure. Please refer to your account-specific disclosure and rate sheet.
Some customers will gain additional ATM fee waivers and reimbursements, while others may no longer receive certain ATM surcharge reimbursements. Refer to the details for your account type.
An ATM fee is charged by Beacon Bank for using an out-of-network ATM. An ATM surcharge is charged by a non-Beacon Bank ATM owner. Depending on your account type, some or all of these fees may be waived or reimbursed.
Certain accounts, including Spend Checking, Security Checking, and Direct Checking, will no longer include Identity Theft Protection services after the product update.
Direct Checking customers moving to Premium Checking will no longer receive Cell Phone Insurance.
Certain savings and money market accounts may be charged a fee if withdrawal limits are exceeded. Refer to the Truth-in-Savings disclosure for complete details.
We're here to help. Contact us at 800.698.BANK (2265) or stop by your local branch.