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Frequently Asked Questions

What is the difference between my "Current Balance" and my "Available Balance"?
What is my check account/routing number?
How do I order more checks?
What if I forget or want to change the PIN for my Beverly Bank ATM or Debit Card?
When will I receive my Beverly Bank ATM or Debit Card
What is the limit on my Beverly Bank ATM or Debit Card
What causes a pending transaction or authorization on my account to be different from my actual purchase amount?
What should I do if I see an error in my account history or suspect an unauthorized transfer?
What should I do if my Beverly Bank ATM or Debit Card is lost or stolen?
What should I do if I want to use my debit card internationally?
How do I access my bank account over the phone?
How do I find out if a specific check has cleared?
How can I do a phone transfer?


What is the difference between my "Current Balance" and my "Available Balance"?

Your "Current Balance" is your beginning-of-the-day balance and includes transactions that may have not have fully cleared. Your "Available Balance" is the amount that is available for withdrawal. To avoid overdrawing your account, you should use the Available Balance.

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What is my checking account/routing number?

If you are reordering checks, setting up a direct deposit or automatic payment or preparing a wire transfer, you will likely be asked to provide an "ABA number" (ABA stands for American Bankers Association). ABA numbers expedite the processing of debits and credits between financial institutions. If you are reordering checks, refer to the bottom of one of your current checks. The routing number will be the nine-digit number in the bottom left-hand corner of the check. If you are trying to set up a direct deposit or automatic payment or are preparing a wire transfer, you should use the ABA routing number for Beverly Bank: 211372145.

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How do I order more checks?

There are several ways to order additional checks:

  • Click here to reorder checks online through Deluxe.
  • Speak with a customer service representative at one of our local branches.
  • Or call Deluxe at 1-866-838-5301
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What if I forget or want to change the PIN for my Beverly Bank ATM or Debit Card?

If you forget your PIN or want to change it, you can create a new PIN by taking your card to one of our local branches and speaking with a customer service representative.

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When will I receive my Beverly Bank ATM or Debit Card?

You should receive your Beverly Bank ATM or Debit Card within seven to ten business days from the date you place your order.

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What is the limit on my Beverly Bank ATM or Debit Card?

You may withdraw up to $500 through use of ATMs daily with your Beverly Bank ATM card. You may buy up to $1,000 worth of goods or services daily and you may withdraw up to $500 through the use of ATMs in one day with your Beverly Bank Debit Card. You must maintain a $1.00 balance in your account in order to have access to that account via your ATM or Debit Card.


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What causes a pending transaction or authorization on my account to be different from my actual purchase amount?

Merchants can place holds on debit card accounts to protect themselves against fraud, error or loss. For example, a hotel may put a hold on a certain amount when you use a debit card to reserve a room. You will not have access to that amount until the hold is removed.

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What should I do if I see an error in my account history or suspect an unauthorized transfer?

If your statement shows transfers that you did not make with your Beverly Bank ATM or Debit Card and/or code, tell us at once. Telephoning is the best way of keeping your possible losses down. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can contact your local branch or call us at 978-922-0857.

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What should I do if my Beverly Bank ATM or Debit Card is lost or stolen?

If you believe your Beverly Bank ATM or Debit Card and/or code has been lost or stolen call us at 1-800-554-8969. You should call us within two days of realizing you lost it or it was stolen.

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What should I do if I want to use my Debit Card internationally?

Call us at 978-922-0857 and provide the name of the country you will be traveling to and the dates you will be traveling. This will alert us to debit card activity that might otherwise appear as suspicious or fraudulent.

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How do I access my bank account over the phone?

Dial 1-800-230-2961 for BECCI our automated telephone banking line. Then, press "1" and then "1" again for AUTOMATED BANKING SERVICES. After this, follow the prompts for account access.

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How do I find out if a specific check has cleared?

After dialing in to BECCI, Press 1, press 1 for account information. Enter account number, and then enter your PIN. Next, press "3" to search by SPECIFIC TRANSACTION.

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How can I do a phone transfer?

After dialing in to BECCI, Press 1, and then press 4 for TRANSFERS. The system will ask you for the "from" checking or savings, the "to" checking or savings account number and the transfer amount. When the transfer is completed, the system will provide confirmation.

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