Online Banking Video

Banking Safely Anytime, Anywhere

The fresh new look supports ease of use and provides tools for helping you achieve your financial dreams faster and better than ever.

  • Access accounts, eStatements and pay bills on-the-go simply with our mobile banking

  • Save time using your mobile device to deposit checks

  • Find surcharge-free ATMs and CO-OP Network Shared Branches

  • Easily transfer money to your accounts at other financial institutions or send funds to other Beacon Credit Union Members

  • Financial tools such as Credit Sense, spending and savings tracking help you build a better financial future

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Bill Payment

Bill Pay allows you to pay ANYONE – anytime and anywhere! You can pay your utilities, family & friends, babysitter, cable – ALL from Bill Pay.

  • Set up one-time, scheduled or recurring payments

  • Secure payments without the need for envelopes or stamps

  • Billing reminders keep you up-to-date

  • Keeps you efficient and organized

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Credit Sense

Because your credit score impacts so many aspects of your financial life, Beacon Credit Union has made it easier to monitor. Credit Sense, powered by SavvyMoney, is available in our Online Banking and Mobile Banking apps. This free service is designed to help you stay on top of your credit. The benefits of checking your score today include various abilities.

  • Receive monitoring alerts

  • Identify credit bureau errors

  • View best rates available for you based on your score

  • Receive tips on how to improve your score

  • Using Credit Sense monthly, weekly or even daily will not hurt your credit score

  • Use the Credit Score Simulator to test how your score might be affected by actions like paying of credit cards

FAQs

Credit Sense is a comprehensive Credit Score program offered by Beacon Credit Union, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how Beacon Credit Union can help save you money.

Credit Sense Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account.

No. Credit Sense is entirely free and no credit card information is required to register.

As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can select “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within online banking.

Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equaifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

No. Checking with Credit Sense is a “soft inquiry”, which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.

Accessing your credit score is fast and easy. Once you’ve logged into online banking or the mobile app, locate Credit Sense in the menu. To enroll, you must first answer a few questions to verify your identity, and then agree to the terms and conditions. After agreeing, your credit score will display each time you log in.

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External Transfers Video

TransferNow External Transfers

TransferNow External Transfers service is designed to offer members an easy and efficient way to move funds between their accounts at different financial institutions. This service provides members with the flexibility to manage their finances effortlessly without the need to visit multiple banks. By using TransferNow External Transfers, members can enjoy the peace of mind that comes with secure, rapid, and reliable transactions.

  • Ease of Use: Quickly and effortlessly transfer funds between accounts anytime.

  • Time-Saving: Avoid the hassle of in-person bank visits and long processing times.

  • Security: Benefit from robust security measures that protect your transactions.

  • Convenience: Manage all your accounts in one place through your credit union’s online banking.

  • Customer Support: Access dedicated support for any transfer-related questions or issues.

FAQs

TransferNow External Transfers allows you to quickly transfer funds between your account(s) at Beacon Credit Union and your accounts you hold at other financial institutions. With TransferNow External Transfers, you have more flexibility and control over your money. You no longer need to obtain a cashier’s check, make cash deposits, or send an outgoing wire to transact business between your financial institutions.

Personal customers, only between U.S. bank accounts. Funds can only be transferred between accounts with same ownership.

Checking, Savings, Money Market and Brokerage (Investment) accounts.

To being using TransferNow External Transfers, you must first be enrolled in Online Banking and authorize your external bank accounts on the full site. When you initiate a transfer, you will see what types of accounts are eligible.

  • Using your desktop, log in to your Online Banking account. Select “Transfer.”
  • Select, “External Transfer.”
  • Add a new account and set up transfer authorization using either of the two verification methods: trial deposit verification or real-time account verification.

Beacon Credit Union offers three transfer options: Standard, Next-Day and Instant.

  • Standard transfers arrive in the receiving account within three business days. Clients will be eligible for Standard transfers automatically, and will qualify for Next-Day Transfers upon meeting activity and minimum balance thresholds.
  • Next-Day transfers, limited to qualifying accounts, will arrive in the receiving account on the next business day.
  • Instant transfers, limited to qualifying accounts, will arrive immediately in the receiving account.

Multiple transfer options can be selected including one-time, recurring, or future-dated transfers.

No, to complete the transfer request, the sender must have ownership over the both accounts.

Limits vary depending on the transfer option selected. For questions regarding your limits, please contact a Beacon Credit Union representative.

Standard is free. Next-Day is $2. Instant is $5.

In order to use Beacon Credit Union’s TransferNow External Transfers feature, you must maintain a personal checking account in good standing. Beacon Credit Union reserves the right to disable this feature at any time

You can also use CardSmart through online banking.
CardSmart Online Video

CardSmart: your card, your control

With CardSmart, you control your debit card in real-time. Protect and manage your debit card anywhere, anytime through online banking.

  • Turn your card on and off, so it’s there when you need it (while protecting from unwanted/unauthorized purchases)

  • Set geographic restrictions on where your card can be used, including online or just in-store. Choose up to three regions based on where you do most of your shopping

  • Restrict or allow transactions based on specific merchant types, like gas stations, restaurants, or travel services

  • Establish transaction limits so you or another authorized card user can’t spend more than you can afford

  • Schedule alerts for certain locations, amounts, or merchant types, so you know if your card is being used in ways you haven’t authorized

  • View the transaction history associated with all of your registered cards

  • Add notes and tags to transactions for easy viewing

  • Integrated within Beacon Credit Union Online Banking

FAQs

CardSmart is a mobile and online banking feature that lets you control how, when, and where your debit card is used. You can Enable/Disable a debit card for use, restrict card usage to specific types of Merchants and/or Transaction Types, set Transaction Limits and restrict card use to specific geographical regions.

Log in to Beacon Credit Union Online Banking. Select CardSmart in the menu. This will pull up CardSmart on your webpage. Verify your personal information and hit save. 

Log in to the Beacon Credit Union’s Online banking or our mobile app. Tap CardSmart in the menu. This will pull up our CardSmart section. Tap either “Control Preferences” or “Alert Preferences” under the card you want to set up. A list of control and alert options will appear. Tap on options within the list to customize your controls and alerts.

Yes, you simply access CardSmart through online banking and disable the card. Once the card has been found, you can enable it again.

Get peace of mind on your finances and enjoy life a little easier with Beacon’s CardSmart.

*CardSmart is available in our online banking or in our mobile app.

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