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Merger Updates

Welcome to TopMark Federal Credit Union!

Important You must contact a TopMark representative to order new TopMark checks if you havent done so.  Former Beacon Checking Account Holders must discontinue using their Beacon checks immediately.    Please contact Member Services to order TopMark checks so are not charged.  TopMark's routing number is 2412795 64. You will need to contact us to obtain your account number.

Please select Credit When Using Your MasterCard® Debit Card

So, you are at the gas pump, you swipe your debit card and a screen pops up asking you to choose “credit or debit?” You think to yourself, I’m not using my credit card; I’m using   my debit card you silly machine…so debit.

The truth is, when using your debit card, choosing between credit and debit has nothing to do with the type of card, but rather the type of transaction.  Choosing “credit” doesn’t actually mean credit card; the money is still deducted right from your checking account.

Here’s a little bit about the difference.
Debit:  When you select debit you are asked to enter your four-digit PIN (personal identification number) and you do not sign for your purchase. Certain stores allow customers to receive cash back when debit is chosen and you can also withdraw cash from an ATM using your debit card and PIN.
Credit:   When you select credit, you are typically required to sign for your transaction and you do not enter your PIN. There are a few exceptions where a signature is not needed, such as when you pay-at-the-pump or when your purchase is under a certain dollar amount (typically $25 or less.)   In these cases you simply push credit and you are on your way.

Both credit and debit transactions are deducted right from your checking account which makes using your debit card equivalent to writing a check.  However, your debit card provides more convenience and security.   We Recommend Selecting Credit when you use your card.  This gives you security protections that help prevent, detect and resolve fraud.  MasterCard® offers cardholders what is called Zero Liability, which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to you. This makes credit the safer option.

2018 Newsletter

Important:   You must contact a TopMark representative to order new TopMark checks if you havent done so.  Former Beacon Checking Account Holders must discontinue using their Beacon checks immediately.    Please contact Member Services to order TopMark checks so are not charged.  TopMark's routing number is 2412795 64. You will need to contact us to obtain your account number.

Attention Former Beacon VISA® Credit Card Holders!

TopMark FCU will be issuing your new Platinum VISA® Credit Card to replace your Beacon Mutual Federal Credit Union credit card.  Your card will be mailed on August 9, 2018 and your PIN will be mailed on August 13, 2018.  

Important Dates!
August 9, 2018 –   New TopMark Platinum VISA® will be mailed to you
August 20, 2018 – New Card will be active

Cardholders should continue to use your Beacon FCU card through Sunday August 19, 2019.

IDProtect® is an exclusive benefit for members with a TopMark Secure Checking Account.
An Identity Theft Protection Service for TopMark FCU & Eligible Family Members!  This feature is only $2.95 and is deducted from your checking account monthly.   You received a detailed letter in June.  

Rate and Fee Schedule

Member Account Information - February 23, 2018

Information about our Prestige Club


Will I have to order new checks?

You can continue to use your Beacon Mutual Federal Credit Union checks until June 1, 2018.  We would suggest ordering new checks on or before May 15, 2018.  Please contact Member Service to order new TopMark checks.  Your initial order will be provided free of charge. You will not be able to view your checks online until you order TopMark 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. 

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.

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.

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.

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.

Online Banking
You will need to enroll in our Online Banking Platform as a new online banking user.  There is a link on our  homepage ( 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.  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.

Online Bill Pay  
You do not have to enroll again for Online Bill Pay.  Your Beacon bill-pay has been integrated with TopMark's bill pay.  When you have online bill pay, you’ll have more time to enjoy life. Here’s how it gives you the freedom.

  • Receive and pay your bills securely online, all in one place.
  • Make payments anywhere, anytime directly from your checking account
  • Track payment history and account balances at a glance
  • Receive helpful email or text reminders when bills are due 
  • Save money every month on stamps and checks 
  • Guard against identity theft by receiving and paying bills online instead of by unsecured mail 

To learn more about using your Online Bill Pay,  visit website for a demo

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.

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.