BECUReviews of becu.org

After being restricted from raising my own debit card limits for overdrafts THEY allowed, not protecting chargebacks from being overturned by companies lying (not protecting members so why this CU vs any bank?), and then finally keeping me from being able to complete a very important transaction due to a daily spending limit they imposed and restricted the ability to self manage after hours… this joke of a credit union has lost my business entirely.

Poor customer service sent around multiple places without getting the answer I needed. I closed the account and it has been over 4 weeks and I still haven’t received my money from the account I closed. If I knew it would have taken this long I would have driven the 2.5 hours to close on person. Will never accept a car loan from them as a lender again.

BECU customer support has gone downhill over the past five years. We had a recent issue with a funds transfer where they locked our account from making any external transfers. We've had to deal with for the past month or so and have been given the run around by customer support and the fraud department. We've answered the same question three of four times with different reps and provided all the necessary documentation and still get no answer nor the account unlocked. We get the same scripted, repeated messages from every person we talk to and no ability to get direct answers from the fraud department. The money is being held hostage for no good reason. If we don't find resolution to our issue in the next few days, we will be closing our account and taking our business elsewhere. The CEO needs to address these issues with customer service and be held to account for the decline in service.

Their online banking system does not work. Too many headaches, too many calls to their customer support that is borderline incompetent and doesn't know what they're doing or talking about. Do not give BECU your money to bank with.

BECU Visa Rewards fails to fix a problem identified to them four months ago, as if this writing. Communication is the worst. Their system is expertly crafted to insulate customers from advocating on their own behalf. My suspicion is their point accounting has seen a major problem not limited just me or a few customers. Organizing customer litigation is pending I’m sure. Update 12/26/2025: This method seems to get some attention with BECU, however fruitless to date. The bots directed me to email with specifics so the issue could be resolved. Having done so, they could not verify me as a customer and directed me to call a Lead Representative. That person was able to penetrate the system (after two attempts) and get the straight story from "the points people." My transactions occurred in May of 2025. That arm of BECU switched to a new system in June of that year. I was told any information prior June was not accessible or actionable. Disputes cannot be initiated earlier than that date. Again, guarded information, customer opacity and a bumpy transition from one accounting system to another says to me that there are aspects to BECU IT that are not to industry standards.

I truly appreciate the outstanding service I’ve received from BECU. Their team is always professional, helpful, and committed to making banking simple and stress‑free. I value the Member Advantage benefits and the way they encourage active engagement with my accounts. From clear communication to reliable support, BECU has consistently gone above and beyond. I feel confident knowing my finances are in good hands, and I’m proud to say BECU will continue to be my go‑to credit union.

I needed (and still need) to make an online purchase, and although I have plenty of my own money in my account I had to call and ask for permission to spend the amount I need to spend. They originally denied my 'request' and asked if maybe there was some other way I could pay, or if I could provide more justification for needing to spend that amount. Unbelievable. Then, after explaining exactly what I was purchasing, they 'allowed' me to access my money. Went online to make purchase- card declined. What a bunch of clowns. Will be closing my accounts.

I have been with BECU since 2009. Unfortunately, because of several unfortunate life events, I had a chapter 13 Bankruptcy during that time. Still, I never bounced a check. During the Bankruptcy, my car broke down. I had to beg, write letters and get my trustee to write letters and finally got them to agree to a car loan. This was 3 years ago. The car was a problem. First the engine broke down causing me to make a $3500 repair. After that was fixed, the transmission went out. The master mechanic said not to put more money into the car. It was a bad year for this car. I drove the car a total of 12 months. Still I never missed a payment! Even though It was not drivable I still had to make car payments and insurance payments. My Bancruptcy was discharged 6 months ago. All house payments are made on time and my credit score is 734. My payment history is excellent. I went into BECU to see if they could convert my loan from a car loan to a personal loan. I could at least sell the car for scrape and stop insurance payments. They denied me! People Helping People? What? I will follow this up with a letter to the President. I am shocked and disappointed! Amended: I want to Add that I received the most condescending reply from BECU. See below⬇️ Update, 11/10: after posting my complaint on trustpilot, I received a call from a BECU rep. They Finally allowed me to change the car loan to a personal loan. The person who called me was very nice and apologetic.i believe that there are some nice people working there, but the management and rigid policies suck!!! I will not change my rating and would never recommend this credit union to anyone! Thank you for reading my story. NOTE: If you have been mistreated by a big company, keep telling your story until someone listens!