Personal Checking

Basic Checking

The no‑frills, easy‑to‑use checking option designed for everyday banking needs in Central & Southwest Virginia.
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Account Features

Basic Checking

A great choice for members who want a dependable checking account without unnecessary extras. With easy-to-use budgeting tools, this account helps you manage your finances effortlessly. Enjoy features like free online banking, mobile check deposits, and alerts that notify you of low balances, ensuring you stay on top of your spending.
Get started with Basic Checking for just $25, making it easy and affordable to open an account without a large upfront deposit.
Enjoy banking freedom with no minimum balance to maintain and no monthly service fees, so your money stays where it belongs—with you.

Write checks without worrying about added costs—there are no per‑check fees, keeping everyday transactions simple and predictable.

Get More With Beacon

Benefits With All Beacon Checking Accounts

Discover all the benefits and features included with a Beacon Credit Union checking account, designed to deliver convenient, low‑cost everyday banking for members across Central and Southwest Virginia.

Benefits:

Early Pay:
Get Paid 2 Days Sooner**

Mobile Deposit

Free Direct Deposit

E-Statements

ATM Access with Debit Card

Financial Insights

Beacon Learning Center

Expert advice and tips to help you make smart financial decisions.

Simple Deposit Accounts for Saving Simply

Saving money doesn’t have to be complicated. If you’re looking for a way to start saving, whether it be for a future purchase, to build a small financial cushion, or as a step toward future investing, there are many options for you to choose from.

Saving vs. Investing: What's the Difference?

In the world of personal finance, the terms “saving” and “investing” are often used interchangeably to describe building wealth, despite some crucial differences between the two.

6 Simple Ways to Rev Up Your Savings

Many people starting out in their careers may find themselves burdened with lots of debt and very little savings for future needs. Luckily, there are simple strategies for gradually building small savings or investments into large sums, often with the help of automated services that make it easy.

How to Save for Multiple Goals at Once

It’s tempting to have a different account for every single thing you’re saving for. The problem? Having multiple accounts can lead to multiple fees. Read more for what you will want to consider when organizing savings accounts and the money in them.

Spend Smarter with a Credit Card You Can Trust

Beacon Credit Union Visa® Credit Cards

Get more purchasing power and flexibility with a Beacon Credit Union Visa credit card, designed to meet your everyday spending and financial needs. Enjoy competitive rates, secure Visa acceptance worldwide, and reliable fraud protection, all backed by a trusted, community‑focused credit union serving Central and Southwest Virginia. 
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Let's Work Together

Ready To Take The Next Step?

Find a nearby branch and get the personalized banking support you need—right around the corner.

**Early access to funds is dependent on payer submission of direct deposit and standard fraud prevention restrictions.