If you already started an application, please click on the link below then select “I already have an Application”.

Open an Account

Yes. Beal Bank USA is a member of the FDIC, so your deposit accounts with us are insured up to $250,000.

Find Beal Bank USA using BankFind Suite on the FDIC website.

You can also learn more about FDIC insurance on the FDIC website.

By using our online contact form or by phone at 877-TRY-BEAL (877-879-2325).

Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account. Your information is securely stored on your account and customer records once your account is opened. We will never share or sell your personal information. You can view our Privacy notices here.

Contact your local branch or log into your Online Banking and navigate to Account > Documents > Tax Documents.

If you need help setting up documents to be received online, please navigate to Account> Documents> Delivery Settings> Tax Forms and submit your selections.

Or you can call us at 877-TRY-BEAL (877-879-2325). We will verify the account and security information with you and walk you through the steps to access your documents.

Backup withholding is withholding for federal income taxes on certain types of income, including interest payments. Backup withholding may be required if the IRS notifies you that you are subject to backup withholding because you under-reported interest or dividend income on your tax return. If you have been notified that you are subject to backup withholding for under-reporting, then banks and other payers must backup withhold on certain payments until the IRS notifies you that you are no longer subject to backup withholding.

Please visit the Disclosures page to view current documents.

No complicated phone trees. No interminable queues. No long wait to talk to a human.

Our Beal Bank USA customer service team is available during business hours. For account-specific questions, please have your account number ready.

Contact Us |  Find a Branch

You can view our rates page or call us at 877-TRY-BEAL (877-879-2325).

Please note that CD rates are subject to change and are not final until you complete your application.

Click Login at the top of the page and then follow the prompts to create your profile. If you have any questions, please call us at 877-TRY-BEAL (877-879-2325).

Call us at 877-TRY-BEAL (877-879-2325). We will verify the account and security information with you and walk you through the steps to access your account.

Click Forgot Password to initiate a password reset. If this does not work, you may be locked out. Please call us at 877-TRY-BEAL (877-879-2325).

We will verify account and security information with you and walk you through the steps for a new password.

For security and confidentiality, these requests must be submitted by logging into your Online Banking profile. Use the Login button to access.

After Login, select Self Service > Service Request > Change of Address.

Complete the form and submit.

Because rates are subject to change daily, your new rate will not be determined until your maturity date.

We mail our checks via the US Postal Service; these may take 5-7 business days to arrive. If your check has not been delivered within that time period, contact our team at 877-TRY-BEAL (877-879-2325).

Apply as a new customer. If your social security number matches your current profile, it will alert us to link both profiles.

With the test deposit method of account verification, Beal Bank USA will make two small test deposits of less than $1.00 into the bank account you provide. When the deposits appear in your bank account (generally within 5-7 business days not including weekends or holidays), you must return to BealBankUSA.com to verify the deposit amounts. The Bank will also withdraw these deposits in the exact same amounts to balance your account back out.

If the account you are withdrawing the funds from is a money market, select “Checking” on “Type of Account” during our application process. If this does not resolve the issue, please contact us at 877-TRY-BEAL (877-879-2325)..

Please check your spam folder. If you still are not able to locate the email, call us at 877-TRY-BEAL (877-879-2325).

Our system may auto-decline some applications if left unfinished, or if we attempted to contact you and received no response. Please give our team a call at 877-TRY-BEAL (877-879-2325) and let them know you will be re-applying to expedite the process.

We take your privacy and online security seriously. As we conduct business online, we aggressively work to protect your sensitive information as well as our operating systems and electronic information. To learn more, visit our Security Center.

In partnership with the FDIC, we offer a variety of Money Smart courses free of charge. Learn more about these helpful courses on the FDIC Money Smart page.

We offer 3 to 60-month Certificates of Deposit available to open online.  We also offer additional savings products (money market, statement savings, and IRA CDs) in our retail branch locations.

APY, or annual percentage yield, is the amount of interest earned in one year expressed as a percentage rate on an account. It is based on the interest rate and the frequency of the compounding and assumes interest remains in the account for the duration of the term.

Our online accounts may be opened as a Single-Party Account Without "P.O.D" (Payable on Death) Designation or as a Multiple-Party Account With Right of Survivorship.

For all terms, a minimum balance of $25,000 is required to open an account online and a minimum balance of $1,000 for accounts opened in a branch to obtain the annual percentage yield. We may treat any withdrawal that would reduce the balance remaining in the account below the required minimum balance as a withdrawal of the entire account balance and calculate the amount of the penalty accordingly.

You may not make additional deposits into your account until the maturity date.

***Additional Terms: We reserve the right to limit your aggregate deposit balances to $1,000,000 per taxpayer identification number.

We will notify you before the maturity date. You’ll have a 10-day grace period starting on your maturity date. For security and confidentiality, maturity instructions must be submitted in person, by mail or by logging into your Online Banking profile. Once you are logged in, send us a message/request to choose:

• renew as is

• add funds

• withdraw funds

• close the account

For your convenience, if you do not wish to respond, your CD will automatically renew for the same term, at the current rate we offer for that term.

Funds may be distributed via check to the original funding account or by check to your address of record, free of charge, or we can wire the funds for a $15 fee. For the wire, we will need your external institution’s specific wiring instructions (including routing and account number), along with a completed Funds Transfer Services Agreement.

Our fee schedule:

Wire transfer—domestic: $15.00

Wire transfer—foreign: $60.00

Wire transfer—incoming: NO CHARGE

Cashier’s check (customer): $3.00

Returned deposits: NO CHARGE

Recon/Research per hour (min one hour): $25.00

Compliance with legal orders, per hour: $35.00

Note: Fees may reduce yields.

Click here to view our Schedule to the Account Agreement which explains the Early Withdrawal Penalty.