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Merger Updates

We extend a warm welcome to our new members from Beacon Mutual Federal Credit Union. We appreciate the trust that the members of Beacon have placed in us by voting to approve this merger, uniting two credit unions with a shared history of service to the Lima area community.

Rate and Fee Schedule

Our primary goal is to make the transition as easy as possible for you. Here is a summary of important information regarding changes to your Beacon accounts, products and services.  Please watch your mailbox for additional information.  We will post additional updates on this page. 

What is a merger?
A merger is an agreement between two organizations that have a common goal to grow and serve the members and their communities. This is an opportunity for two individual organizations to come together and be a more successful single entity. The combined credit union will be more efficient, gain cost savings, maintain viability, remain competitive, as well as improve our capital position. All of this helps us provide members additional conveniences and enhanced products and services going forward.

Is Beacon Mutual Federal Credit Union being bought out?
The merger represents a mutually beneficial partnership that both organizations are entering into freely. This collaboration brings together two organizations to benefit the memberships of both organizations.

What will be the name of the credit union?
The new merged credit union will use the name TopMark Federal Credit Union.

Who is TopMark Federal Credit Union?
For 55 years TopMark Federal Credit Union has been serving our members, which includes Allen and Auglaize Counties.  Our knowledgeable, caring and motivated employees work together to provide a relevant banking experience that is accessible 24 hours a day, 7 days a week. It is our vision to achieve continuing and engaging relationships with each of our members.  For more information, visit our history page.

When will the merger become official?
The merger will be official March 1, 2018, however, you may still receive some communications with the
Beacon Mutual Federal Credit Union name.
What will happen to the employees?
All Beacon Mutual Federal Credit Union employees were offered the opportunity to become TopMark Federal Credit   
Union employees. You’ll still see the same friendly faces!

Is my personal information safe?
Yes. TopMark Federal Credit Union has been in business since 1963 and considers your privacy and protection of member personal information its highest priority. TopMark uses technology to protect your information, and its employees are trained to ensure member confidentiality. For additional information, see TopMark's Privacy Policy.

Will this merger affect my service?
It is our goal that you will only see positive changes; you will have more products, services, and locations with an expanded ATM network.

What’s in it for the members?
More FREE access to your money, almost anywhere. TopMark is a member of CO-OP, Alliance One and CUHere networks.  We are able to offer over 35,000+ ATMS (no surcharge fee) and 5,400+ shared branch locations. You’ll have more access to your money than even customers of larger banks do. This merger will give members geographical diversification, greater financial resources, along with enhanced products and services. We offer services that allows you to access your accounts on-the-go; like online banking, bill pay, remote deposit and mobile banking.

Will my Beacon account number change?  
Your Account Number will change, but ALL automatic payments and share draft transactions that are currently setup using your account number and BFCU’s routing number will continue to work. These transactions will be routed to your account with TopMark Federal Credit Union.

What will my new routing number be?
TopMark's routing number is 241279564.
Will my checking account change?
On March 2018, you may notice on your statement or in your online banking that your checking account will be called “Secure Checking”.  This account gives you every feature you’d expect from a checking account with IDProtect® features.  

Will I have to order new checks?
You can continue to use your Beacon Mutual Federal Credit Union checks until June 1, 2018.  At the end of May, if you still have unused Beacon Mutual checks, please contact Member Services to order new TopMark checks.  Your initial order will be provided free of charge. If you would like the ability to view your check images online, then we will need to order new TopMark Federal Credit Union checks.  

Will I have to order a new Debit/ATM card? 
Yes, if you currently have a Beacon Mutual Debit/ATM card, you will receive a new MasterCard® ATM/Debit Card.  You will receive more information before your card arrives.  Please contact Beacon Mutual and make sure we have your correct address and phone number so there is no interruption of service.  TopMark has a "live" ATM environment.  All deposits are immediate. 

Will my terms change on my certificate account(s)?
You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period- ten calendar days after maturity) or we receive written notice from you within the grace period.  As certificates mature they will renew at TopMark's current rate and term.  Dividends will be calculated on the same basis as during the original term.

What happens to my direct deposit, Payroll Deductions and Automatic Payments?
Members will continue to have your money deposited into your accounts.  If you wish to set up a new Direct Deposit, TopMark's routing number is 241279564.  Please remember to wait until that account becomes active on our after March 1, 2018.  We have forms available on our website. 

What if I am currently a member of both Beacon Mutual Federal Credit Union and TopMark Federal Credit Union?
You can keep both accounts, but may want to speak with a representative to combine the accounts. Give us a call at 419.223.5886 or 419.224.2941 to discuss your options.

When can I start using TopMark Federal Credit Union’s products and services?
You will be able to take full advantage of TopMark product and service offering starting March 1, 2018.

Are my accounts federally insured?
Each account holder is federally insured up to $250,000, which is backed by the full faith and credit of the federal government through the National Credit Union Administration.

Where can I get a copy of the account terms, privacy policy, conditions and fee schedule?
Our website will provide all documents for you to review.  

I currently have eStatements. Will I continue to get my statements online? 
Starting March 1, 2018 you will be able to enroll in TopMark's Online Banking and opt-in to eStatements.

How do I get a copy of an old statement? 
Give us a call at 419.223.5886 to receive a copy of an old statement.


Any outstanding loans will continue with your current rate, term and monthly payment. 

What options do I have to make my loan payment(s) after March 1, 2018?

Payment through Direct Deposit:
If you want your deposit split between accounts, complete our direct deposit distribution form (found on our website) and fax (419.229.1273), drop it off, or mail the completed form.

Reoccurring payment from another account:
(ACH Origination) Loan payments can be debited from your checking or savings account at the bank or credit union of your choice.  All payments are applied directly to your loan account on the posting date selected, and will automatically be credited towards your loan balance.

Mail: You can mail payments to
TopMark Federal Credit Union  1511 N. Main St.  Lima, OH 45801

Online Payments: TopMark also accepts check, debit or credit card payment online – fees may apply.    

Will I be able to access my loan(s) payment history online?
Starting March 1, 2018 you will be able to see your loan and balance through TopMark's online banking, however past transactions prior to March 1, 2018 will not be viewable online. You can access old transactions via your old account statements.

Will I have to order a new VISA® credit card?
No, your existing credit card will work like normal. However, after March 1, 2018 if your card expires or is lost/stolen your replacement card will be a TopMark Federal Credit Union designed credit card.

Does TopMark offer mortgage loans?
TopMark Federal Credit Union believes in expanding the dreams of home ownership to as many of our members as possible. We offer a wide variety of products for almost everyone and have excellent rates. We promise a personal touch. We’ll guide you through the entire process and counsel you on the best product to fit your situation. Call our office today 419.879.1500 and enjoy a truly different experience.

Overdraft Protection & Courtesy Pay  
TopMark offers Automatic Overdraft from your primary savings account. Beacon members will still have access to Courtesy Pay for your checking account with a limit of $500.  Contact the office with further questions.

Will my online banking sign-on information change on March 1, 2018? 
Yes, when you sign into your TopMark online banking for the first time, you will use your account number for your username and you must complete the information in its entirety and the information provided must match what is on your member profile with the credit union.  After you have successfully created your new Online Banking account, you will be sent an email with a temporary password. The system will also ask you security questions.  You will then need to use the new username you created and temporary password that was emailed to you to login for the first time.  Should you have any questions, please contact the credit union.   If want to take advantage of our FREE eStatements, Online Bill Pay, and Money Desktop you will have to click on those tabs at the top of your online banking page.
Is the audio banking number changing? 

Yes, TopMark does not have audio banking.  You can use our online features for information or contact either one of the three branches for account information.     

What ATM locations can I use after the merger? 
We have thousands of surcharge FREE ATM locations nationwide. You can find a location closest to you by visiting and clicking on the “Locations” link. – plus, its mobile friendly… check it out right from our TopMark app on your mobile device.

What is shared branching and how do I use it? 
A CU Service Center (Shared Branch) is a credit union location that is part of a national network of shared branches. Members of TopMark Federal Credit Union may conduct transactions at any of the shared facilities as though they were at their home credit union. All you need is your base account number and a photo ID– just tell them you’re a TopMark Federal  Credit Union member.  Likewise, you can visit a TopMark office AND conduct transactions for other credit unions. 

When can I start using all of TopMark's locations.     
Our locations will be available to you starting March 1, 2018.

1511 N. Main St.   Lima
3800 S. Dixie Hwy.  Lima
2301 Allentown Rd.  Lima

What remote services does TopMark offer for me to access my account?   
There are a variety of ways to access your funds.  You can learn more at

Online Banking & Bill Pay                P2P                                         Account Alerts by Email & Text       

Remote Deposit Capture                Mobile Banking App

We will regularly update our website – you can stay up-to-date by periodically visiting TIP: Make sure your contact information is current on your account so we can stay connected with important updates.

The days of February 28th and March 1st could result in some time in which you will be unable to access your account via ATM/Debit Card or Online Banking.  We ask that you please bare with us as we work diligently to convert member database systems as quickly and seamlessly as possible.