Beach Municipal Federal Credit Union

www.beachmunicipal.org 

Bank On Coaching: at either branch contact Sarah Taylor: staylor@beachmunicipal.org or call (757) 333-7787 ext 1357

Low cost accounts offered to Bank On participants:

• Checking Account: Available
• Minimum opening deposit for checking account: No opening deposit is required.
• Can the minimum deposit be waived? N/A
• Monthly minimum balance required: No minimum balance is required; however, balances of $500 or more earn dividends. 
• Does the account have monthly fees associated with it? If yes, how much? There are no monthly fees.
• Can the monthly fees be waived: N/A
• Is an ATM Check/Debit Card available with the account? Yes.
• Is the partner able to waive overdraft fees? Potentially. This is at the discretion of management.
• Does the partner provide unlimited access to tellers for assistance with their accounts? Yes, tellers may help as often as needed.
• Is a savings account offered? If yes, what is the name of the product? Yes, the savings accounts are called “share” accounts.  Beach Municipal FCU offers share, money market, holiday, vacation and club accounts to its members.
• Minimum opening deposit for savings account:  You’ll need $6 – $5 to open and maintain your member share account and a $1 membership fee.

• Is a “second chance” account available? Although the account is not labeled as a “second chance” account, Beach Municipal FCU can work with members who have had previous checking issues.
• Is a prepaid card product available? No.  The closest item to this is a loadable VISA gift card, which is available in any amount from $10 to $1,000 with a small purchase fee of $2.50 per card.
• Does this partner offer a way for clients to minimize/prevent NSF/overdraft fees? Beach Municipal FCU provides Virtual Branch Home Banking, a Phone Automated Teller (PAT) service and a Mobile Banking app to allow members to check their account balances at any time.
• Does this partner offer online banking/bill pay services? What fees are associated with this service, if any: Yes, both are available.  With the use of electronic statements, all of these services become free of charge.   If you choose Virtual Branch Home Banking and Bill Payer without eStatements, there will be a monthly fee of $6.95 charged to your account ($4 for Bill Payer and $2.95 for Home Banking).
• Is product information available in foreign languages? If yes, what languages are available? No.
• Does the partner offer local teller service in a foreign language? What languages are spoken?  There is a Spanish-speaking employee available at the Thalia branch if needed to translate for a member.
• What alternative identification information is accepted? Acceptable forms of identification include a non-expired government issued picture ID (i.e. driver’s license, passport or military ID.  In lieu of a picture I.D., birth certificates are acceptable forms of identification for children.
• Bank On in Hampton Roads participating branches/locations:

Beach Municipal has two branch locations to serve our members:

Thalia Branch & Mortgage Department
4164 Virginia Beach Boulevard
Virginia Beach, VA 23452
757.333.7787
757.333.7868 main fax
757.395.4795 mortgage fax
Directions

Lobby Hours:
Monday – Thursday…................9am – 5pm
Fridays….....................................9am – 5:30pm
Saturdays….................................9am – 1pm 

Drive-Thru Hours:
Monday – Friday…......................8:30am – 5:30pm
Saturdays…..................................9am – 1pm

Mortgage Department Hours:
Monday – Friday…......................9am – 5pm
 

Princess Anne Branch
2440 Princess Anne Road
Virginia Beach, VA 23456
757.333.7787
757.416.6195 fax
Directions

Lobby Hours:
Monday – Friday…......................9am – 5:30pm
Saturdays…...................................9am – 1pm

Drive-Thru Hours:
Monday – Friday….......................8:30am – 5:30pm
Saturdays…...................................9am – 1pm
 

ATMs are available at both locations 24/7 for members’ convenience.

Who is eligible for membership?

Joining Beach Municipal Federal Credit Union is easy! All it takes is $6 to open a Share Account, which establishes your membership and gives you access to all our other great services.  Our field of membership includes:

• Employees of the City of Virginia Beach and organizations of these individuals:
• Volunteers performing regular duties and are assigned to the City of Virginia Beach departments or facilities
• Appointed members of boards and commissions of the City of Virginia Beach
• Members of the Virginia Beach City Council
• Spouses of persons who died while within the field of membership of this Credit Union
• Persons retired as pensioners from the City of Virginia Beach
• Immediate family members of the above, defined as spouse, child, sibling, parent, grandparent or grandchild. For the purposes of this definition, this also includes step-parents, step-children, step-siblings and adoptive relationships.

Family Membership
When you open your account, it is the ideal time to open accounts for your eligible family members.  Once your family members have joined, their family members also become eligible.  Plus, family members can retain their Beach Municipal FCU membership even in the event your account is closed. Family members are entitled to full membership privileges.

Membership vs. Joint Ownership
You can designate anyone as joint owner of your account. Joint ownership, however, is not the same as Beach Municipal FCU membership. Joint owner(s) can make deposits or withdrawals from the joint account but are not an actual member/owner and do not enjoy the same benefits of a full membership.

Preserving Your Membership
Once you've joined Beach Municipal Federal Credit Union, you are entitled to use the services of your credit union for life. You can leave your employer, move, retire or get married. Your membership is a foundation which can last a lifetime. Once a member, always a member!

How To Join

• Stop by either of our full-service branches and ask to speak with a Member Services Coordinator.
• Bring a non-expired government issued picture ID (i.e. driver’s license, passport or military ID).  In lieu of a picture I.D., birth certificates are acceptable forms of identification for children.

You’ll need $6 – $5 to open and maintain your member share account and a $1 membership fee.

• Be sure to ask us how much money we can save you every month through our low auto loan and credit card rates!

Should you have questions concerning your eligibility with Beach Municipal FCU, please call us at 757.333.7787.