Welcome.

We’re thrilled to share that as of April 25th, the acquisition of MSSB is now official and we welcome you to the Beacon Credit Union family! This exciting opportunity brings expanded products and financial tools, increased convenience, and a stronger impact in our communities. Our primary focus is ensuring that as member-owners, you have everything you need for a successful financial journey.

Rest assured; your existing MSSB accounts will not be immediately impacted. You’ll continue to use your current account numbers, debit cards, and digital banking login information until the data conversion is complete later this summer.

Here’s what you can look forward to as a valued member-owner of Beacon Credit Union:

  • Expanded Products and Services – Access a wider array of financial products, services, and helpful financial tools and resources tailored to your needs.

  • Increased Convenience – Enjoy Beacon’s Larger Member Center network, advanced digital banking technology, and enhanced online tools for seamless account management wherever you are.

  • Stronger Community Impact – Our success is based on the communities in which we serve. Learn more about a few of our community projects by clicking here.

Log onto your current (MSSB) online banking portal below:

Online Banking

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>>Enroll Mobile Banking iPhone

>>Enroll Mobile Banking Android

Account Conversion Happens July 25-28, 2025

The next transition is the account conversion process, which will bring your accounts and services over to Beacon’s banking systems. As part of
this process, you will receive:

– New loan account numbers (only where necessary)
– New debit cards (all members)
– An enhanced mobile and online banking experience

In addition, this conversion will provide you with access to an expanded network of Member Centers, shared branching, more surcharge-free ATM options, and new products and services to enhance your financial journey. To ensure a smooth transition, we’ve prepared this helpful guide that outlines the conversion process and provides information on how it may impact you. Please review this guide and contact us with any questions or concerns.

Click here or on the image to the right to download the guide.

Account Conversion Guide

FOR FORMER MID-SOUTHERN SAVINGS BANK CUSTOMERS ONLY:
If you haven’t executed your Member Agreement as of yet, please click the appropriate link below.

You may receive more than one Member Agreement from BCU (e.g., if you have multiple accounts with MSSB, or if you have your own account and are also an authorized representative for one or more organizational accounts). While you may sign and return every Member Agreement you receive, please note that signing and returning just a single Member Agreement will be sufficient to elect BCU member status for each account that you own or represent (in each case, to the extent the account owner is within BCU’s field of membership).

For Individual Membership
Click Here

For Business/Organization Membership
Click Here

        If you are NOT a former MSSB customer and want to open an account, please click here.

FAQs:

We anticipate that the closing will occur on April 25, 2025 and the conversion is tentatively planned for July 2025. While access to some services may transition at different intervals leading up to and through the conversion, there should be no impact to your ability to use your accounts during that time.

We expect that nearly all account holders will keep their existing account numbers following the conversion. We anticipate that a limited number of MSSB customers (those whose MSSB account number duplicates the account number of an existing BCU member) will be assigned new account numbers. In those limited instances, we will notify affected customers individually and provide them with their new account numbers as we get closer to the conversion date. We are focused on making the transition as smooth as possible for you and providing you with uninterrupted access to your accounts.

Yes. Following the conversion, you will need to notify any business or governmental agency with which you conduct ACH payments or deposits and provide them with our routing number. We’ll provide you with more information as we get closer to the conversion date. BCU’s routing and transit number is 274976151.

A chart comparing fees was mailed within the welcome packet sent out late March. It is difficult to compare some fees because of differences in the terminology used by MSSB and BCU and the different intervals over which we charge certain fees as compared to MSSB. It is our goal to keep our fees competitive in the market.

Your MSSB checking and savings accounts will convert to BCU checking and savings accounts. BCU does not offer a Christmas Club savings product, however, so if you maintain a Christmas Club account with MSSB, it will convert to a regular BCU savings account. Any loan you have with MSSB will transfer to BCU and will be subject to the same terms and conditions as before. BCU offers several additional products and services that will be made available to you upon the conversion, including: Shared Branching, Investment Services, Medallion Stamp Services, Money Orders, Zelle, Increased Debit Card Limits, Debit Card Controls (Card Smart), First Time Home Buyers Program, Account Aggregation within Online Banking, and Credit Sense (online credit report monitoring and resource tools) just to name a few.

f you would like to start utilizing additional products and services offered by BCU before the conversion date, you may do so. You can open new accounts via online opening at http://www.beaconcu.org. Please be aware that any new account you establish with BCU will run on BCU’s platform (with online and mobile banking access) and will be accessed separately from your current MSSB accounts until the conversion is completed.

Yes, new debit cards will be sent to replace existing MSSB-branded debit cards, and you will be sent a new personal identification number (PIN). You will receive detailed information as we get closer to the conversion date.

MSSB checks will continue to be accepted after closing and for an undetermined amount of time following the conversion. We will notify you at least 30 days in advance before we stop accepting MSSB checks, after which time you will need to use BCU checks instead.

Yes, your existing consumer loans will transfer to BCU with the same terms.

Yes, your existing mortgage loan will transfer to BCU with the same terms.

Prior to the conversion, you will continue to make loan payments as you currently make them, whether you pay online or by mail. Following conversion, you will also be able to make loan payments at any BCU branch location, online by using the BCU Online Banking app, or by phone by calling (800) 762- 3136 . BCU will reach out individually to MSSB borrowers who currently pay online with information on how they can continue to make online payments after the conversion is completed.

Yes, your safe deposit box and your safe deposit box contract with MSSB will transfer to BCU. You will continue to have access to, and will pay for, your safe deposit box after the transaction closes in the same manner, and subject to the same terms and conditions, as before.

You will receive your first integrated BCU account statement within 30 days following the conversion. You should verify the information on that first statement, including the account balance, by matching it to the final statement you receive from MSSB.

BCU will honor all of the terms and conditions of any certificate account you hold with MSSB. We will provide you with additional information before your MSSB certificate account matures on how it may be renewed as a BCU certificate account.

Any previously designated beneficiaries will follow the account when integrated with BCU’s system.

After the closing, you will be able to use your ATM card with no fees at any former MSSB branch and at any BCU-owned ATM. Following the conversion, you will be able to use any branch or ATM within BCU’s network, including any ATM that was formerly in the MSSB network. You may also use an ATM at any credit union that participates in the CO-OP Shared Branch network. The CO-OP Shared Branch network allows BCU members to access their account and conduct transactions at more than 5,000 credit union locations nationwide. For a full list of BCU branch locations, ATMs, and nationwide CO-OP Shared Branch locations, visit www.beaconcu.org/branch-atm-locations.

Yes, BCU offers an audio response system that allows access to account balances, history and more. This service is accessible when calling our toll-free number (800) 267-0286, and will be available after the conversion.

MSSB’s current online and mobile banking will continue to be accessible through the conversion date. Online services will be available via BCU’s online banking and mobile banking platforms after the conversion. We will provide you with additional information as the conversion date gets closer.

Yes, BCU supports Apple Pay, Google Pay and Samsung Pay.

Apple Pay is a registered trademark of Apple, Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

To learn more about BCU or if you have any further questions, go to any full-service member center, visit www.beaconcu.org or call our Contact Center toll free at (800) 762-3136. Also, follow us on Facebook, Instagram, LinkedIn and Twitter.

To learn more about lobby and drive thru hours at BCU locations, please visit www.beaconcu.org/branch-atm-locations or call our Member Service Center at (800) 762-3136.

BCU is a mutually owned cooperative that requires members to have a $5 share to access the many accounts, services and benefits we offer.

For more information on membership eligibility, please visit www.beaconcu.org/become-a-member.

Locations:

Salem Member Center

300 N. Water Street
Salem, IN 47167
(812) 883-2639
Mailing Address:
P.O. Box 545
Salem, IN 47167-0545

Main Lobby/Drive-up
Monday-Friday
8:30 a.m. to 5:00 p.m.
Saturday
9:00 a.m. to 12:00 (Noon)

Mitchell Member Center

1505 W. Main Street
Mitchell, IN 47446
(812) 849-2092

Main Lobby/Drive-up
Monday-Friday
8:30 a.m. to 5:00 p.m.
Saturday
9:00 a.m. to 12:00 (Noon)

Orleans Member Center

870 S. Maple Street
Orleans, IN 47452
(812) 865-8877

Main Lobby/Drive-up
Monday-Friday
8:30 a.m. to 5:00 p.m.
Saturday
9:00 a.m. to 12:00 (Noon)

Louisville Loan Office

4803 OLYMPIA PARK PLZ STE 1500
Louisville, KY 40241
(812) 883-2639

By Appointment Only

Telephone Banking:

You can access your  MSSB telephone banking option if you like to conduct your banking transactions by telephone. You can either speak to one of our friendly voices or use our automated service to check your account balance, transfer money, pay bills, and make payments. Our automated telephone banking service is available to you 24/7, just call (888) 329-2015.

Debit Card Help:

If your debit card is lost or stolen, please let us know as soon as possible by calling any of the branch numbers below. If we aren’t notified in a timely manner, we may not be able to refund fraudulent charges. If it’s after normal business hours, please call our special debit card hotline at 800-472-3272.

If you will be traveling outside of the United States, your Debit Card will need to be “unblocked” to allow those out of country purchases. You can call any of our branches below to discuss your travel plans and make sure your Debit Card continues to work.

Check Ordering:

For check orders, please call:
Salem Office – (812) 883-2639
Orleans Office – (812) 865-8877
Mitchell Office – (812) 849-2092

Current Routing Number for all MSSB Accounts: 283971901