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 is an added benefit to having a qualifying Beacon Checking Account. Overdraft Privilege is not a line of credit. However, if you accidentally overdraw your account, we will have the discretion to pay the transactions that are covered under Standard or Extended Overdraft Privilege, depending on which you have.

There are no costs for having Overdraft Protection unless you use it. You may be charged fees if you overdraft your account, but these can be considerably less than those charged by businesses for returned checks or failed transactions. Please click here to see our Current Rate and Fee Disclosures to review our current Overdraft Fees.

Beacon Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts. Please see the chart below for a comparison of which transactions qualify.

For a list of frequently asked questions about the Overdraft Privilege Program, click here.

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*

 You can opt in or opt opt out of the Overdraft Privilege Program in the following ways...

Online Banking