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Need help? Call 1-877-TRY-BEAL (or 1-877-879-2325)
You can contact Beal Bank:
By phone at 469-467-5000, or by mail at Beal Bank Headquarters, 6000 Legacy Drive, Plano, TX 75024.
You can contact Beal Bank USA:
By phone at 702-598-3500, or by mail at Beal Bank USA Headquarters, 1970 Village Center Circle, Suite 1, Las Vegas, NV 89134.
You can also contact us by using our online contact form or by visiting your nearest Beal Bank or Beal Bank USA location.
If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your other account. You can speed up your application using information from your money market or savings account.
You can find current rates for CDs, money market accounts, statement savings accounts and IRA CDs in your area here.
You can enter your location information to find the closest location, here.
To order new checks, please contact us at 877-TRY-BEAL (877-879-2325).
Federal law required 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.
No problem; just call a Retail Banking Specialist 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.
Call a Retail Banking Specialist at 877-TRY BEAL (877-879-2325). We will verify account and security information with you. We can then unlock your account or provide a temporary password.
For security and confidentiality, these requests must be submitted in writing. In your letter, please provide us with:
Requests for an external wire transfer must be in done in writing. In writing, please provide us with your name, date, online account number(s), instructions on wire transfer including the account or transfer numbers, and your signature. Please submit in written form to: Beal Bank, Attn: Online Banking Center, 6000 Legacy Drive, Plano, TX 75024.
PLEASE NOTE: You must also have a Funds Transfer Agreement on file with us to initiate wire transfers. Please note there is a $15.00 fee for this service for domestic requests and a $60.00 fee for international requests. Also note a withdrawal from your Beal Bank or Beal Bank USA account(s) could prompt an early close out service charge, based on the terms of the account.
The reporting form can vary based on the amount of interest your account(s) earned and other factors. You can call a Retail Banking Specialist at 877-TRY BEAL (877-879-2325). Please have all of your account information ready when you call. We can research your account(s) and provide you with answers. If needed, we can fax, email or mail information to you.
For the security of your funds, we do not originate electronic debit transfers with other financial institutions at this time. We do accept electronic transfers, credits and debits. Call a Retail Banking Specialist at 877-TRY BEAL (877-879-2325) and we can provide you with the information for the external financial institution to originate a request.
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We use the latest security technologies to ensure the safety of your personal information. Learn more about our privacy and online security policies.
We will notify you before the maturity date. At that time, you can choose to:
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. The more frequent the compounding, the more interest an account earns.
Answering these additional security questions allows us to confirm your identity and ensure that no one else can open an account in your name. This additional layer of security helps protect our customers against identity fraud.
With the test deposit method of account verification, Beal Bank 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 BealBank.com to verify the deposit amounts. The Bank will also withdraw these deposits in the exact same amounts.
In partnership with the FDIC, we offer a variety of Money Smart courses free of charge. Learn more about these helpful courses and register.
If you will be the only person to have ownership on this account select Individual. If you want to add a co-owner to the account, select Joint.
Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account.
Simply put, CD laddering is a way of investing where you plan for staggered maturity dates, to keep some of your investments liquid and also capitalize on changing rates. By planning ahead for the long term, you can keep an eye on your earnings and have the flexibility to make changes as individual CDs mature.
Let’s say you have $80,000 total to invest in CDs. If you buy just one CD with a longer term, you have to wait for it to mature, locking up your total investment. If you buy just one CD with a shorter term, it usually will generate fewer returns. Instead you could:
Because your funds are staggered, you will have access to a portion at intervals you can plan on, in this example every three months. As each matures, you can reinvest into a longer maturity CD (which usually pays higher returns).
Because you know that a portion of your investment portfolio will mature regularly (every 3 months in this example), you will have access to that portion on a regular basis. This can help if part of your goal is to maintain an emergency fund. And if you need to cash out a CD early the penalty fees will be less than if you had invested the entire sum in just one CD.
A CD ladder can spread out your investments so you can limit the effects of a low-rate market cycle. Instead of putting all your funds into one CD, you spread them out and systematically invest. If rates are rising when one comes to maturity, that’s great. If rates are falling, you limit the impact. Over time, you can optimize your returns.
Click here to learn more about Identity Theft Protection and Fraud Reporting.
Phishing emails can be very sophisticated and may look just like they are coming from a familiar bank, online retailer or financial institution. Instead, they trick consumers into clicking on links, providing personal banking information, and infecting computers with criminal viruses. Beal Bank and Beal Bank USA will never send you any unsolicited emails and will never send any email asking you to provide your personal account details.
In general, avoid clicking on links embedded in emails; instead type in the URL into your internet browser.
The FDIC provides valuable information about the assets of all FDIC-insured banks. With this free information, you can objectively compare your banking institutions. Go to the FDIC website at http://fdic.gov/bank and look for Uniform Bank Performance Report.
Research anti-virus software and install one on your computer. Use it regularly to scan your computer for viruses.
Whenever you are banking or shopping online, protect your login information including user names, passwords and personal identification numbers. Don’t use information that is easy to guess or find publicly, including middle names, maiden names, street addresses, etc.
Make the effort to read the terms of all your accounts, and ask questions so you fully understand all the details. For your Beal Bank and Beal Bank USA accounts, you can call an Beal Bank Retail Banking Specialist at 877-TRY-BEAL (877-879-2325) to ask questions.
Regularly clear your internet browser history, to protect yourself against spyware and viruses that search there for sensitive information about you and your transactions.
The FDIC insures your deposit to at least $250,000 per depositor. By managing your investments with accounts in the name of family members, you can increase your total coverage. Go to the FDIC government website for more information.
Don’t keep your investments in a vacuum. Instead, consider adding in your investment returns, account amounts and long-term plans in with your monthly household budget management. This will give you an accurate way to view both short-term (monthly) and long-term (investments) results in one place that will be easier to maintain. Research popular software, and make the commitment to your long-term success.
FDIC Money Smart, the award-winning financial course from the FDIC, gives you the tools to make the best decisions about your money. Money Smart will help you understand basic financial services, such as savings accounts, checking accounts, and credit cards, and will help you manage your money for you and your family. Money Smart covers these 11 topics.
Money Smart is a comprehensive financial education curriculum designed to help low- and moderate-income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships. Money Smart has reached over 2.75 million consumers since 2001. Research shows that the curriculum can positively influence how consumers manage their finances, and these changes are sustainable in the months after the training.
Congress created the Federal Deposit Insurance Corporation (FDIC) in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at member banks and savings associations, and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars; insured financial institutions fund its operations.
To learn more about the Money Smart course and register, you can:
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By accessing the noted link you will be leaving the Beal Bank and Beal Bank USA website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Beal Bank and Beal Bank USA website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Beal Bank and Beal Bank USA.