Work, kids, school, exercise, hobbies... whatever you're juggling, sometimes the little things can be forgotten. When balancing your checkbook is the last thing you have time for, Beacon has several options to protect you from high fees and failed transactions.

Member Plus Protection

Member Plus Protection is a personal line of credit built to act as a safety net for your checking account. With a Member Plus Protection account you'll benefit from...

  • Overdraft protection without overdraft fees
  • $500 to $3,000 Credit Limit*
  • Funds are available in $100 increments
  • Members may take advances in person
  • Minimum payment is 3% or $25, whichever is greater.

To open a Member Plus Protection account, stop by a branch or call 1.800.868.6655 today!

Savings transfer

Want a safety net, without an extra line of credit? Set up an overdraft protection transfer from a Beacon savings account. In the event of an overdraft, available funds will be automatically pulled into your checking. Click here to see transfer fees that may apply.

Overdraft Privilege Program (Standard & Extended Coverage)

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. For a list of our current Overdraft Fees, click here. Even if you have one of the overdraft protection options above, Overdraft Privilege is available as a secondary coverage if the other protection source is exhausted.

You are enrolled in Standard Overdraft coverage when you open an eligible Beacon Checking account (to learn what transactions Standard Coverage will pay, read through the Overdraft Privilege FAQ).You also have the option of consenting to extended coverage. Beacon Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have have consented to Extended Overdraft Coverage.

Please review the "FAQ" page here to learn more about Overdraft Privilege.

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

Online Banking