Personal Checking

Choice Plus Checking

Enjoy competitive dividend-earning potential — including tiered rates up to 7.07% APY* and 5.05% APY* — with everyday convenience for your banking needs in Central and Southwest Virginia.
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Beacon’s Choice Plus Checking Options

Choice plus checking option 1

7.07% APY*

Requirements to earn 7.07% APY* interest

  • $25 to open account
  • 30 debit or credit card transactions per month
  • Average daily balance (ADB) of $1,500 or more
  • Minimum direct deposit of $1,000
  • E-Statements
  • Balances up to $5,000
choice plus checking option 2

5.05% APY*

Requirements to earn 5.05% APY* interest

  • $25 to open account
  • 15 debit or credit card transactions per month
  • Average daily balance (ADB) of $300 or more
  • Direct deposit (no minimum)
  • E-Statements
  • Balances up to $2,500
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Account Features

Choice Plus Checking

Beacon’s Choice Plus Checking earns up to 7.07% APY* on qualifying balances, helping your money grow while you bank. With simple requirements like direct deposit, debit card use, and eStatements, it rewards everyday activity. Open with just $25 and enjoy high-yield checking with no monthly maintenance fees.

Grow your balance faster with two competitive dividend tiers based on your account balance and usage.

Enjoy the convenience of everyday checking without worrying about monthly maintenance fees.
Keep important documents and valuables secure with a 3×5 safe deposit box. Receive a $25 credit each year.
Helping you get set up with everyday banking essentials from day one.
Save more on your next vehicle purchase with exclusive auto loan rate discounts for account holders.
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:

Online Banking
Mobile Banking
Free Credit Score

Early Pay:
Get Paid 2 Days Sooner**

Mobile Deposit

Free Direct Deposit

E-Statements

Overdraft Protection Options
Direct Payment of Your Beacon Loans

ATM Access with Debit Card

Financial Insights

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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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*7.07% Annual Percentage Yield (APY) will be paid on balances between $0.01 and $5,000 each month a member makes one direct deposit of $1,000 or more, maintains an Average Daily Balance (ADB) of $1,500 or more, is registered for E-Statements and has a minimum of 30 posted/settled Point of Sale (POS) debit card and/or credit card transactions per statement cycle. Credit card transactions must be on a credit card loan account under the same account number as the Choice Plus Checking. When the criteria are not met for the 7.07% APY tier, the dividend defaults to the next tier of 5.05% APY.

If the criteria in the 7.07% APY tier are not met, 5.05% Annual Percentage Yield (APY) will be paid on balances between $0.01 and $2,500 each month a member makes one direct deposit (no minimum), maintains an Average Daily Balance (ADB) of $300, is registered for E-Statements and has a minimum of 15 posted/settled Point of Sale (POS) debit card and/or credit card transactions per statement cycle. Credit card transactions must be on a credit card loan account under the same account number as the Choice Plus Checking. When the criteria are not met for the 7.07% APY tier or the 5.05% APY tier, the dividend defaults to the next tier.

See Beacon’s rate page for the current Choice Plus Checking standard rate.

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