Local Banking That Puts You First
Personal Checking Accounts
Personal checking accounts designed for how you live, work, and spend, right here in Central and Southwest Virginia. With convenient digital banking, debit card access, and checking options that fit every stage of life, Beacon makes everyday banking simple, secure, and local. Whether you’re opening your first account or upgrading your checking experience, you’ll find trusted service and modern tools backed by a community-focused credit union.
Choice Plus Checking
Earn up to 7.07% APY* simply for using your checking account.
$25 to open account.
- 15-30 credit card transactions per month
- Average daily balance
- E-Statements
* restrictions apply
CashBack Checking
Unlock Extra Cash in Your Pocket with Cash Back Checking
$25 to open account.
- 1% Cash back on all transactions
- Free credit score & credit monitoring
- Early pay: get paid 2 days sooner*
- No overdraft fees
- ATM fee refunds*
* restrictions apply
Budget Checking
Break free from overdraft fees that hinder your everyday spending.
$25 to open account.
- No overdraft fees
- $10 monthly service fee
- Digital banking options
Basic Checking
The no frills, get the job done, basic checking account that’s convenient and easy to use.
$25 to open account.
- No minimum balance to maintain account
- No monthly service fee
- No per checks charge
Preferred Checking
Interest earning, convenient checking with loads of perks.
$25 to open account.
- Earn dividends
- $200 minimum balance to earn dividend
- No minimum balance to maintain account
- No monthly service fee
- First box of checks free
- No per checks charge
Everyday Spending, Made Simple
Your Beacon Debit Card. Built for Life on the Go
Skip the cash and pay with confidence using your Beacon Debit Card. Enjoy 24/7 access to your money, powerful card controls through the Beacon Mobile App, and built‑in security like real‑time fraud monitoring and Visa® Zero Liability protection. Use it anywhere Visa is accepted and manage it all with just a few taps.
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.