RateHerald

APY

0.10%

  • 0.10% for the first 24 months
  • Then: the bank doesn’t say

Beacon Bank and Trust · Checking account

Beacon One Checking

Promotional rate · lasts 24 months

$2 a year for an everyday customer. No monthly fee. $10 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$2
APY
Monthly fee
To open

Against the market

How it ranks

#33of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Card lock
  • Debit card
  • Early direct deposit
  • Interest bearing
  • Mobile check deposit
  • No overdraft fees
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$0.01beaconbank.com, checked Nov 8, 2026
To earn the APY
The account must be enrolled in Paperless Statements and Notices.beaconbank.com, checked Nov 8, 2026
APY when those aren’t met
0.00%beaconbank.com, checked Nov 8, 2026
Promotional rate lasts
24 monthsbeaconbank.com, checked Nov 8, 2026
Interest compounds
monthlybeaconbank.com, checked Nov 8, 2026

Fees

Monthly fee
Nonebeaconbank.com, checked Nov 8, 2026
Minimum to open
$10beaconbank.com, checked Nov 8, 2026
Overdraft fee
Nonebeaconbank.com, checked Nov 8, 2026
ATM network
All non-Beacon Bank ATM Inquiry fees incurred nationwide waived; all non-Beacon Bank ATM Withdrawal and Surcharge fees incurred nationwide reimbursed per statement cycle.beaconbank.com, checked Nov 8, 2026
Early closure fee
Nonebeaconbank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

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See it on beaconbank.com

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