BECU Reviews 

So far? Not a fan. Getting a car loan through the bank my husband has had for 12 years was very simple. We were approved for the amount we needed and went to purchase the car we needed. The banker however did not disclose all the requirements needed to actually use the loan! She informed us the years it needed to be. Great! That was it. Actually we also needed to fall in the parameters of miles. Not told by the banker in getting the loan nor was it on any of the approved Bank paperwork provided.

What a scam!!!!! After opening my account within a week a fraudulent charge for $380.00 was made to my account after filling a fraud complaint they never got back to me after the 10 days they promised. Meanwhile every time I wanted to use my card it would decline after being promised by my banker everything’s good. I literally have never been embarrassed to make a purchase to be shut down constantly, meanwhile they make you state all your information verbally which doesn’t sit well with me. They steal from customers and the service is “horrible” not to mention the embarrassment of not being able to access your funds without prior notice. Not being able to purchase milk at $4.99 when I have $1000 in my account is unexplainable hands down!!!!!!!

I never commented on any company before. The word 'terrible' is not descriptive for this company. If there is a negative star I would give them negative five stars. Their customer service is disrespectful: they hold the wire transfer I made because they are doing an investigation for a month. They call you and ask you security questions over the phone, like the same question they ask you in the office so I felt insecure sharing information if I was being scammed on the phone but they think that's suspicious. Because I'm not providing enough detail on my personal reason why i do wire they decided to hold my money. If they were organized and clear everything can be asked while I was in the office, which they did already. I don't feel valued and respected in this company. I stopped the wire and took out the money and used my other banks to wire it for me. Please be nice and do the job right to keep your customers in your circle.

My family has used BECU for years and we love them. They have been great for the past 16+ years I have been using them. Reasonable rates, customer focused, easy to use, and trustworthy.

I'm bewildered as to why BECU's rating is so low. I've never had anything but positive experiences with them. I have Checking, Business Checking, Savings, Money Market accounts as well as two car loans and a personal loan and Visa card, all of which were simple, easy, straightforward to get and qualify for. I've referred people there, who've benefited from $100 credit (though it does take a very, very long time to see). Customer service in branches has always been exceptional, phone service has been less of a great experience and hopefully they are addressing this issue.

If there’s a half star rating for this credit union, that’s what they deserve. WORST service ever and they mostly work remotely from home so their customer service is totally zero!!
They have a nerve to continue charging me for their so-called voluntary protection on the credit card that they unexpectedly suspended. Never default and always paid on on time. HTF are you charging me $10 per month for the last 12 years and still continue charging me now? I want all my money back. It’s a SCAM!!

What used to be a great, community credit union where they treated you like a person rather than a number has turned into a cold, impersonal, draconian institution who is full of employees “just doing their job“, with longer and longer wait times, and condescending, uninformed, and even disrespectful employees. After 15 years with BECU I will be closing my account and going somewhere else.

They use a third party to verify insurance for auto loans, which I have never had to do with any previous lender. Regardless of that I have verified it multiple times and the BECU still has not received the information and will not take it unless it goes through the third party. Meanwhile BECU is threatening to add an additional $6k to my loan for not providing my insurance information.

Customer service has gone down over the years. I am a loyal customer with several accounts. Things like shutting off all my main bank account without letting me know (freezing my accounts) have become the norm. Calling their phone number results in long wait times and I think they're experimenting with outsourcing. Not to mention large overdraft fees. Sorry lost a customer. Too little too late.

I had issues with this bank every time I tried to send money.
Zelle didn't work and put a hold on my profile. Had to stay on hold with customer service to remove it.
Wire transfers take a day and you have to call, you can't do it online. More than 1 hour wait each time.
Moving money from my account at BECU to my other bank account at another bank also got me an immediate hold on my profile for absolutely no good reason. Another 1 hour wait + with customer service to get it done.

How does a bank get away with being so garbage? BOTH the android and ios apps show inconsistencies in transactions, amounts, and account balances between the desktop website. Why do I have to pay a $25 fee every time a $5 ACH transaction doesn't go through one day before I get paid? This happens way too often and should be a crime. Moving to something that doesn't charge me for not having money.

A one star is too generous for BECU.

Gatekeeping, refusal of direct communication, repeated instances of dishonesty.

Never had a problem with this credit union, until I needed their help with a dishonest merchant and filed a charge dispute.

Financial institutions should be more trustworthy than a used car dealer, however, this has not been my experience in this case.

This is the worst credit union I have ever dealt with. Usually credit unions are decent institutions that are known for the way they handle customer issues and they generally are pleasant to work with. Neither of these hold true for BECU. Their customer service policies are horrible. They have an outdated way of establishing autopay for loans. You can't just set it up online like literally every other financial institution in pretty much the entire US. You have to fill out a form and mail it to them. And this is to establish it from internal accounts with BECU. While they can claim they have a mechanism to allow the customer to put this in place it is clearly designed to be an additional hassle and this is in there hopes of being able to collect late payment fees if you forget to log in and transfer the funds. In addition to that they will make the funds in your account unavailable to you if the payment isn't made on the due date. They have a 10 day grace period, I believe, to make the payment. This makes it so you have to call in order to pay your loan payment. The systems they have in place are designed to be inconvenient so that they can collect fees for failing to meet their policies. I refinanced my loan with another financial institution just to get away from these bad customer policies.

They have always been helpful to me and transparent. They don't nickel and dime you like the regular banks.

I switched over after years of headaches from dealing with Bank of America (the straw that broke the camel's back was charging a fee to use BoA ATMs). Support has always been able to help me with whatever I need, and they are very transparent about changes. A+++!

Sweet jesus. I've never seen a storm of events this bad. First, they move business users to the business portal with like... a week or two notice. Then, calls to customer service that used to take 5 to 10 minutes now take a minimum of 30.
The piece-de-resistance is that I needed new cheques and, anticipating this, changed my address on the portal to the new one. You would think that this meant they would now have the new address.

You would be reasonable, but also wrong. You have to call them to change your address, and it takes ten days to accomplish that. In addition to ten days to process the ordering of cheques, for a grand total of 20 days.

To order cheques. Incredible.

I really wanted to bank with a credit union because this was the sort of runaround I expected from BOA or similar, but I guess customer service seeks some kind of level in banking.

BECU is pretty great, on a day to day banking situation. But when you need to contact them things will go sour. Good luck. Getting through to customer service is an act of God. If, after 30 minutes or an hour or never, they pick up the phone (cause you can't message them and they have limited hours for contact), then you will probably fill in a form and have to call back when they lose your form and you have to start over again. So, fraud wins because my bank wasn't there for me (more than once, super frustrating). Another annoyance of BECU has been the left and right arms don't work together. I had a lot of cash (e.g. hundreds of thousands) in my account but couldn't get a housing loan response, so I went to another lender and got one fast and with zero problems. Why couldn't my own bank do this for me? And don't even get me started about the Zelle integration issues. I'm getting agro just thinking about all the problems I've had at BECU. So, ya, there you go. First had experience talking right here.

I am attempting to obtain a copy of my most recent mortgage statement but apparently they do not provide these to their customers via the online mortgage portal. They require you to use their messaging system to send them a request for your statement and then they reply hours later to tell you that they will email it to you within 2-3 business days. From my perspective this is a terrible policy and has been an extremely frustrating experience as I need the document for a time-sensitive matter. I asked them if they could expedite my request and they have ignored me since then.

I love BECU! I have referred many others already and cannot recommend them enough. I appreciate the ease of use, speed of service and not only are there no fees, my money earns money!

Always has great loan rates! Only negative is there is only two branches that have 2 tellers that have cash