Customer Support Center
Customer Support Resources
General FAQ
What’s Beacon’s routing number?
251481122
Am I eligible to join Beacon?
If you live, work or worship in Beacon’s membership area, you qualify.
Does Beacon notarize documents and is there a fee?
Yes, Beacon notarizes documents. This service is free for our membership.
Does Beacon accept third party checks?
No, Beacon does not accept third party checks.
How do I get a new PIN number?
1. Visit a branch and ask a Beacon representative to change your PIN number.
2. Call 1.800.290.7893 to change your PIN.
How do I get a new Debit or Credit card?
There are a few ways to request a new debit or credit card:
1. Visit a branch. You can request a card from a Beacon representative and your card can be printed in the branch while you wait.
2. Send a message through the Beacon Mobile App or Beacon Online Banking. Your new card will be ordered though the mail.
3. Call Beacon’s Service Center at 434.237.1566
What is a credit union?
A credit union is a not-for-profit financial organization that is member owned and offers banking services.
How do I pay on my Beacon loan?
There are several ways to pay on your Beacon loan:
1. Transfer funds from your Beacon Checking or Savings account, using the Beacon Mobile App or Beacon Online Banking.
2. Use Bank to Bank transfer to send money to your Beacon account from a non-Beacon account that’s in your name. This service is available on the Beacon Online Banking and the Beacon Mobile App.
3. Use Beacon’s Online Pay option to pay with a debit or credit card. Click here to visit that web page. There is a fee associated with this option.
4. Calling Beacon’s Service Center at 434.237.1566.
Does Beacon offer loans for land?
Yes. Beacon offers land loans for commercial use through our Business lending department.
Does Beacon offer commercial loans?
Yes. Click here to learn more about Beacon’s Business products.
Early Pay FAQ
What is early direct deposit?
Early direct deposit is a feature of all Beacon checking accounts that allows you to receive your paycheck directly into your checking account up to two days earlier than the scheduled pay date.
How does early direct deposit work?
To take advantage of early direct deposit, you need to set up direct deposit with your employer. This involves providing them with your checking account details. When your employer processes payroll, the money is made available to your financial institution. Access to early funds depends on how your employer’s payroll services operate.
What are the benefits of early direct deposit?
Early direct deposit can provide a financial buffer by allowing you to access funds sooner. This can help you cover bills, groceries, or other urgent expenses without the stress of waiting for your paycheck.
Are there any fees associated with early direct deposit?
There are no fees associated with Beacon Credit Union’s early pay process.
What should I do if I encounter issues with my early direct deposit?
You can reach out to Beacon’s call center at 434.237.1566 or visit a branch location.
Can anyone use early direct deposit?
Early direct deposit is available to all members who have a Beacon checking account and a direct deposit attached to their checking.
If an ACH transfer that we credit to your account is revoked prior to final settlement, or is reversed or returned, then we may charge your account for the amount credited without prior notice (even if you have already withdrawn the funds or it causes an overdraft of the account).
Text Banking
You can text Beacon Credit Union for information regarding our services.
By texting Beacon Credit Union’s service number, 434.237.1566, you agree to receive messages from Beacon Credit Union to assist with your original message or question.
- Reply STOP to opt-out
- Reply HELP for support
Message & data rates may apply; Messaging frequency may vary. Visit our Privacy Policy for more information.
Quick Text Keywords
Text the below words to 434.237.1566 for quick answers on frequently asked questions.*
ATM – Text to receive a link to a list of Beacon’s ATM locations.
APPLY – Text to receive a link to an Online Loan application for Beacon Auto Loans, Home Equity Loans and Credit Cards.
B2B – Text to receive a link to learn more about Beacon’s Bank to Bank transfer options.
BOB – Text to receive information on our online banking platform.
BRANCH – Text to receive a link to a list of Beacon Branch locations.
BUSINESS – Text to receive a link to learn more about Beacon’s Business services and loans.
CHECKS – Text to reorder checks.
CREDIT CARD – Text to receive a link to learn more about Beacon Credit Cards and apply online from our website.
DEPOSIT – Text to receive a link to learn more about Beacon’s deposit products, including Checking accounts, Savings accounts, Investment accounts and more.
HELOC – Text to receive a link to learn more about Beacon’s Home Equity Loans and apply online from our website.
HOURS – Text to receive a link with Beacon’s Branch hours.
JOB – Text to receive a link with a listing of career opportunities with Beacon.
LOAN – Text to receive a link with a listing of Beacon’s Loan Rates.
MOBILE – Text to receive a link with more information on how to download Beacon’s Mobile App.
MORTGAGE – Text to receive a link with more information about Beacon’s Mortgages and apply online.
PAY – Text to receive a link to pay your Beacon loan.
RATES – Text to receive a link with listing of Beacon’s Loan Rates.
ROUTING – Text for Beacon’s routing number.
SCHOLARSHIP – Text for a link to learn more about Beacon’s Scholarship Program.
*Message and data rates may apply.
Important Contacts
| Beacon Resources | |
|---|---|
| Direct Office | 434.237.1566 |
| Fax Main Office | 434.237.1544 |
| Opt-In to Beacon Marketing Texts | Text MYBCU to 1.888.926.9228 |
| Toll Free | 1.800.868.6655 |
| Harland Clark/Check Reorder | 800.247.6148 |
| Debit and Credit Card Services | |
|---|---|
| Activate Card | 800.290.7893 |
| Activate Card (Outside US or Canada) | 206.624.7998 (collect) |
| Visa Credit Card Not Working | 434.237.1566 (if outside business hours call 1.800.547.2793) |
| Card Lost or Stolen | 434.237.1566 (if outside business hours call 1.888.297.3416) |
| If you’re calling about a Lost or Stolen Debit Card with Fraud outside of normal business hours, please call the Debit Card Lost or Stolen Numbers Above. | |
| Helpful Resources | |
|---|---|
| Equifax | 800.685.1111 |
| Bill Pay Customer Service | 855.300.4066 |
| CUNA Mutual Group | 877.636.2377 |
| Treasury Direct | www.treasurydirect.gov |
| Credit Reports | www.annualcreditreport.com |
Automatic Savings Transfer
Want a safety net for your checking account without opening an extra line of credit?
Your savings account is the buffer you need. Simply call us to set up an automatic transfer from your savings to your checking to cover your account in case you accidentally overdraft. This process is seamless and ensures that you avoid costly fees that are charged when funds are not available when you need them.
Call us at 434.237.1566 or visit your favorite branch to sign up today and experience the peace of mind that comes with being prepared for the unexpected.
Member Plus Protection
A safety net for your checking account.
Member Plus Protection is a personal line of credit designed to provide you a buffer for your checking account when you don’t have funds available.
You can enjoy the following benefits with a Beacon Member Plus Account:
- Overdraft protection without incurring overdraft fees.
- Credit limit ranging from $500 to $3,000*.
- Access to funds in $100 increments.
- Members can take advances in person, at an ATM or through Online Banking or the Mobile App.
- Minimum payment of 3% or $25, whichever is greater.
You can apply for a Member Plus Protection account online or by visiting a branch today.
Membership Agreement
Account Deletion and Retention Notice
Account Deletion and Retention | Mobile App
Beacon will keep personal data no longer than necessary to fulfill the purposes described in this notice. Under our record retention policy, we are required to destroy personal data after we no longer need it according to specific retention periods. However, we may need to hold personal data beyond these retention periods due to regulatory requirements or in response to a regulatory audit, investigation, or other legal matter. These requirements also apply to our third-party providers.
If you want to delete your app’s digital banking data, use the following options.
- Call us at 434.237.1566
- Send a secure message through online or mobile banking.
- Email Beacon at [email protected]
Non-VISA Pinless Debit Transactions
Digital Wallet Terms and Conditions
Disclosures - Online Services Disclosure
Text Messaging Disclosure
Visa Credit Card Disclosure
Promo VISA Credit Card Disclosure
No applicable Visa credit card promotions available at this time.
Current Rates and Fees Disclosure
Overdraft Privilege
1. What is Overdraft Privilege?
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as a secondary coverage if the other protection sources are exhausted.
2. How much does Overdraft Privilege cost?
There is no cost for having Overdraft Privilege on your account. Fees will only be applied to your account if you overdraw your account and we elect to pay the transaction. Overdraft Privilege is a courtesy and not an extension of credit. You will only pay for Overdraft Privilege if you use it. Please see our Rate and Fee Disclosure for a full list of fees associated with the Overdraft Privilege Program.
3. Which transactions are covered by Overdraft Privilege?
| Which Types of Transactions does Overdraft Privilege Cover? | ||
|---|---|---|
| Transactions Covered with the Overdraft Privilege Program | Standard Coverage (No action required) | Extended Coverage (Your consent required)* |
| Checks | x | x |
| ACH – Automatic Debits | x | x |
| Recurring Debit Card Payment | x | x |
| Online Bill Pay Items | x | x |
| Internet Banking Transfers | x | x |
| Beacon Audio Response Teller (B.A.R.T.) | x | x |
| Teller Window Transactions | x | x |
| ATM Transactions | x* | |
| Everyday Debit Card Transactions | x* | |
| *If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. | ||
4. How much can my account be overdrawn?
Overdraft Privilege covers overdrafts up to $500 – $750 including the Overdraft Privilege Fees (depending on your account type). Your negative balance must be brought current within 32 calendar days and remain in good standing for one business day to avoid having the Overdraft Privilege removed by Beacon Credit Union.
5. How does Overdraft Privilege affect other overdraft protection, such as Member Plus Protection or overdraft from my savings accounts?
Overdraft Privilege will not change your current overdraft protection arrangements. If you selected overdraft from savings or have an additional line of credit (Member Plus Protection), we will first look to pay the item with funds from those sources. If funds are not available in your alternative sources, then Overdraft Privilege may be used to cover the transaction.
6. How do I sign up for Overdraft Privilege?
Standard Overdraft Privilege is a service that is automatically made available to Beacon members when they open an eligible checking account. However, if you would like Extended Overdraft Privilege to also cover your ATM and debit card transactions, you must specifically consent to this service. If you’re not sure whether you have consented to Extended Overdraft Coverage, please contact a Beacon representative at 434.237.1566 or 1.800.868.6655.
You can consent to Extended Overdraft Coverage in the following ways…
- Call us at 434.237.1566 or 1.800.868.6655
- Fill out this online Consent Form
- Visit a Branch
7. Can Privilege be removed from my account?
Yes, Overdraft Privilege can be removed anytime at your request. It may also be discontinued by Beacon if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 calendar days for a minimum of one business day. You must bring your account balance positive for at least one business day to have Overdraft Privilege reinstated.
The best way to maintain your Overdraft Privilege is to promptly repay any negative balance that results from an Overdraft Privilege transaction. If you wish to remove Overdraft Privilege from your account yourself, see question 6 above.
ACH Payment Form
Address Change Form
Cardholder Dispute Items Statement Form
Written Statement of Unauthorized ACH Debit Form
Sealed Bid Form
