Beal Bank as a wholesale bank

Beal Bank and Beal Bank USA are wholesale banks. That means we do things a little differently from most other banks.

For individual investors, Beal Bank and Beal Bank USA focus solely on savings products and do not offer some consumer products such as checking accounts and debit cards.

By specializing in certificates of deposit (CDs), money market accounts, and other deposit accounts, we keep our overhead down, allowing us to pass these savings on to you in the form of higher interest rates.

As wholesale banks, Beal Bank and Beal Bank USA are also active in the secondary market, purchasing loans and loan portfolios from other financial institutions. We do not generally originate commercial or residential loans.

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