BECUReviews of becu.org

So, I have been having some serious issues in my life recently. In between it all there are some small lights that shine from the few and in betweens that need recognized. I had a claim from my insurance company due to an auto collision that wasn't handled well. And while I was waiting for any response from BECU on their side for my loan being paid off, I realized it's been way too long since my check has been cleared to pay off my loan. Basically, I was still paying for a car that, not only did I not own anymore, but you (BECU) 100% had the check for. I have a really bad taste in my mouth now from this situation. I did have a sweet employee in the seattle location (Carla) that not only got me the information I needed. But also managed to expedite my situation. As Becu was meant to submit my money into my account on the 16th so that I can go get myself a car. It's currently the 23rd. Carla not only made sure to help me there, she also let me know other important information about my account. Hold onto and make sure to take care of the good ones. Please.

(EDIT: I've since secured a loan with a different credit union no problem, with a low interest rate, it just took me by surprise to be denied considering my qualifications and history with BECU, and they have been great besides this 1 issue) , I've been with BECU for 30 years and never had a problem... until NOW. I applied for an RV loan, not much, just 100k or so.. Like I said, Ive been with them for 30 years, (I work at Boeing), My FICO/Credit score is in the 820s out of a possible 850, and I literally have more than TWICE the loan amount in my savings account right now... I applied for the loan, which I assumed was a slam dunk, and... they denied me? Im definitely heated, and considering pulling all my money out... ridiculous..LOL..

A shout out to Dallas at the BECU Ballard branch. I had changed the name of two accounts, and was unable to sign up for online banking over the weekend. With one phone call she was able to resolve the issue and help get me signed up. Thanks!

It's important to manage expectations when you bank at a credit union. BECU has its foibles, but they have never charged me exorbitant fees because they decided to process my incoming debits in the worst way possible. They do not charge ridiculous fees for ATM withdrawals. Cost-wise, they are much better than a traditional bank. That being said, BECU is lacking in the online banking area. Lately, there have been many, many web glitches and outages. Only the last 60 days of transactions are available on the website, but the site does not work well with my budget software (YNAB) and so I have to manually download the data when it fails, which admittedly is less frequently now than it was six months ago, but we shall see if that lasts. Don't set up automatic transfers to pay your BECU credit cards or loans unless you are CERTAIN about them, because you'll never find them again to edit them. They only show up as editable when they are already pending. (Automatic credit card payments are terrible anyway. They are just plain account transfers, and you can't set it up to pay the minimum balance every month or even say, pay the statement balance every month, unless you know exactly how much the balance will be and it's the same every month. You can only pick a set amount. I moved my personal CCs to a different bank because of that, but I still have to manage Hubbie's VISA at BECU, which sucks, frankly.)

The staff here are welcoming and ready to listen and give support whether on phone or office visit. Good customer care

I have been banking with BECU for years and find them generally more responsive and competitive than national banks. I have made several more complex financial transactions with them and found their staff to be informed, vibrant and helpful. It helps to go in person for important matters. The bad: Their phone agent wait times have deteriorated from several or no minutes to 20. This could be because of covid issues but it seems inexcusable since most people discuss their online banking on the phone. Covid is old news and staffing should long ago have been adjusted by now. No one should wait 20 minutes on elevator music after trying several times to discuss their $10K CD holdings renewal only to finally have to give up. Please don't turn into BoA.