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  Beacon Community Credit Union Checking Account

Beacon Community Credit Union Checking Account

in Checking Accounts from Beacon Community Credit Union

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Beacon Community Credit Union Checking Account

Unaffiliated

in Checking Accounts from Beacon Community Credit Union

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0% - 0.075%

Beacon Community Credit Union Checking Account Review

Beacon Community Credit Union Checking Account is offered by Beacon Community Credit Union, a credit union founded in 1947 and based in Louisville, KY. Beacon Community Credit Union Checking Account is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. Beacon Community Credit Union Checking Account has an annual percentage yield of up to 0.075%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $10, but there are ways to waive the fee.
  • Small minimum initial deposit. You only need $10 to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through Beacon Community Credit Union.
Beacon Community Credit Union checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Free debit card
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Beacon Community Credit Union checking FAQ

Are checking accounts from Beacon Community Credit Union federally insured?

No, your Beacon Community Credit Union checking accounts are not insured by a federal insurance agency. This means that if Beacon Community Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Beacon Community Credit Union checking offer?

Beacon Community Credit Union checking offers an APY starting at 0% and ranging up to 0.075% (APY stands for annual percentage yield, rates may change).

Beacon Community Credit Union checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0% - 0.075%

What are the account minimums for Beacon Community Credit Union checking?

Beacon Community Credit Union checking requires a minimum initial deposit of $10 to open an account.

Beacon Community Credit Union checking Account Minimums
Description Amount
Minimum Opening Deposit $10

What fees does Beacon Community Credit Union checking charge?

This account charges a monthly service fee of up to $10.

Beacon Community Credit Union Checking Account Fees
Description
ATM Fee: In-Network $0.50
Debit Card Replacement Fee $10
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $4
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $2.50

Does Beacon Community Credit Union checking charge overdraft fees?

Yes, Beacon Community Credit Union checking charges a $33 fee for every overdraft.

Beacon Community Credit Union checking offers overdraft protection at a cost of $4 per transaction.

What features and perks does Beacon Community Credit Union checking offer?

This account includes the following features:

  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
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Other Services by Beacon Community Credit Union

Availability

  Available in 1 state
Kentucky
Availabile in all of Kentucky

Feature Breakdown

Minimum Opening Deposit Starting at $10
Online Bill Pay Fee $0
ATM Fee: In-Network $0.50
Debit Card Replacement Fee $10
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $4
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • NCUA Member
APY (Annual Percentage Yield) 0% - 0.075%

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