BECUReviews of becu.org

I tried to set up an account with BECU. After setting up account, I was unable to deposit money into my account. After requesting help, the teller said I could not make deposits into my account because I was not authorized to make deposits. They could not tell me how to make deposits after two calls to customer service. After I complained about poor service and my inability to make deposits, my account was suspended, and your company said they suspected fraud? They closed my account and implied I was using my account for fraudulent activities. Someone who doesn't understand BECU's policy's is automatically suspected of fraud by BECU? I'm totally disgusted by the way BECU treats its customers. I'm 69 years old and never been arrested once in my life, but to BECU, I'm treated like a criminal before I could make a deposit. This shameful treatment of customers needs to be elevated and visible, so potential customers know they may face being mistreated by BECU.

I have been banking with BECU for a little over a year. I like their low fees, multitude of atms everywhere, reimbursement of atm fees, if you use other non bank arms, their online bank app is easy to navigate, and being able to send and receive money on zelle. But mostly, what I pay most attention to, is their friendly employees! I have been to many becu branches throughout Washington, and have never been disappointed. If I lose my bank card and need a new one, I just walk into a branch and get one. I had some fraud, which they promptly put the funds back in my account, then after the investigation, send me a letter confirming the fraud and no issues are found. Today, I went into the Lynnwood branch by Alderwood mall, 15 mins before the bank would close, and got a loan, credit card and an overdraft line of credit. CYNTHIA LI took charge of my finances with expert finess and made me feel like I was taken care of by family. The 25% interest rate and a threat by the credit lender, is now gone. Replaced by 11% interest and a lower payment! The branch manager even came over to congratulate me, because I was so surprised at receiving so much, in so little time. I have no idea why anyone would go to any other bank. Their customer service is the best around.

Worst experience. No communication. It takes like 1000 attempts to get a single help. My car got towed because of the communication gap. They don't pick up calls. Offices close earlier than the official time. BECU employees themselves can't connect with other departments. I had to reschedule my international flight just to get one document from them because the portfolio team left early on Friday and would only be in on Tuesday due to it being off for MLK Day. And they wouldn't give the document to my friend even when I had a POA. And being totally honest, I have been trying this for three days, not like I just came on the last day, Friday. It totally sucks.

I don’t recommend BECU. I’ve used them for personal and business banking and generally find them very hard to work with. For example, I recently applied for a home improvement personal loan with them. I played phone tag for almost 2 weeks and was completely unable to get ahold of the loan processor. I have no idea what they wanted or needed - maybe email would have been easier? They ended up denying my loan request because the application was “incomplete.” We ended up using Tesla’s partners to finance our solar anyway. Really terrible experience overall with BECU.

I asked for an IRA that would not be taxed because the money was post tax dollars. They gave me one that now will cause me to have to pay 20% when I withdraw it.

I use the credit card from BECU. I had fraud charges on my account that I was late to notice because of that they will not refund any of the fraud money close to 5K in loss.

BECU is no longer some little local CU anymore but for some reason they think they can get away with having restrictive hours and technology/apps/web interfaces that are dated and unreliable. Their online banking portal is down more than any other website I've ever seen! They have basically never once notified me of blocking my card, and they have shut my card down mid-vacation, every vacation, no matter what I do. I did finally, for the first time, receive notification of my debit being blocked... via a text from a weird number with a janky URL and words typed with mixed cases, LiKe ThIs. When my card got denied the next day I didn't even connect the text. They recently had a widespread problem with scammers spoofing BECU's number and had big warnings about being skeptical of any contact from BECU every time you logged into your account so that's what I did. If your card is ever blocked due to suspected fraud, their customer service is NOT available 24/7, which is absolutely insane. You're completely SOL if something happens after hours or on a weekend. Their fraud department is entirely handled by a third-party company and the communication between them and BECU is very poor. The fraud department employee was able to tell me more about a BECU-specific policy than the actual BECU employee! The BECU employees I've spoken with over the phone and in person are often snide and condescending, and they lack empathy. I've never experienced that with any other bank. it's almost like they know they can get away with being a little rude to nice people. There have been a few really great ones, though, that went above and beyond. Identity verification leaves much to be desired. There are many more efficient, secure, and convenient verification methods but they choose to ask 20 inane questions in addition to the usuals. I had a joint bank holder removed from my account 10 years ago but "Birthday of joint account holder" still appears as a REQUIRED security question, with MY birthday as the answer. After a stressful experience of having my only available card at the time blocked due to suspected but not actual fraud on a Friday night, then calling on Saturday to be told, by a real person, a BECU employee, that their outsourced fraud dept doesn't work weekends, and because Monday is a holiday I would have to wait until Tuesday to get help.... I'm rethinking where I keep my money!!! 3+ days of being locked out of your own money is pretty insane for a major bank in 2023. Them being available on weekends only for things that make them money says everything you need to know. They aren't willing to invest in quality of life improvements for their customers because they are greedy.

The staff are very efficient and great to work with.thumbs up for the team that worked with me.especially abdillahi torre always very helpful answers all my questions .I needed an auto loan and this process went smoothly