Credit Card Frequently Asked Questions

Credit card payments are accepted via Online Banking, Mobile Banking, Telephone Banking, mail, and in-person at any BECU location.

Payment Instructions

Online

1. Log in to Online Banking and click the Payments tab.
2. Click the red Go button under BECU Payments.
3. Follow the instructions to select the credit card account to pay and the deposit account to debit. 

Mobile Banking

1. Log in to the BECU mobile app
2. Click the Transfers button from the Accounts screen.
3. Select deposit "From Account" for the account to be debited.
4. Select "To Account" for the credit card account to be paid.
5. Enter the amount you want to pay.
6. When you're ready, at the bottom of the screen, slide the teal bar to the right to submit your payment.

Telephone Banking

To make a payment by phone, dial 800-233-2328 and follow the prompts. You'll need your 10-digit deposit account number or 16-digit debit card number and Telephone Banking PIN to validate your identity before you can make a payment using the automated system.

Mail

To make a credit card payment by mail, please send a check or money order payable to BECU along with your payment coupon to:

BECU
P.O. Box 84707
Seattle, WA 98124

In Person

To make a credit card payment in person, visit us at one of our locations. Please note: Payments made in person must generally be transferred from a BECU deposit account. Most BECU locations only accept cash and check deposits through ATMs. Our Everett and Tukwila Financial Centers provide full teller services.

To request a credit line increase, you may submit an application through Online Banking, over the phone at 844-232-8562, or in-person at any of our locations.

You can request a cash advance:

• In Online Banking 24/7 with immediate access to the funds. Up to $10,000 per day can be deposited to your BECU account. Note: If you plan to withdraw the funds in cash from your deposit account, you may need to contact BECU to adjust your access limits.
• In person, up to your available cash line, at the following BECU locations:
• Tukwila Financial Center.
• Everett Financial Center.
• Spokane Division Neighborhood Financial Center.
• In person at one of our Shared Branch partner locations or at another financial institution, up to your available cash line and in accordance with their policies and guidelines.
• At any BECU ATM, one of our partner Shared Branch ATMs, or an ATM at another financial institution (up to $500 per day). You will need your BECU credit card and PIN. Please note: BECU does not charge cash advance fees, but non-network ATM fees may apply. If you need to reset your credit card PIN, have your credit card handy and call 888-886-0083.

Unfortunately, we can no longer process cash advances over the phone, through Secure Messaging, or at most of our locations because of a recent Visa® policy change.

Important reminder: A finance charge will be imposed on a cash advance from the date the cash advance is posted to your account until it is paid in full. There is no grace period in which you may avoid incurring a finance charge by paying off the balance resulting from a cash advance. Additionally, when you obtain a cash advance, you will not be eligible for an interest-free grace period on purchase transactions. In order to reestablish your eligibility for the interest-free grace period on purchase transactions after obtaining a cash advance, your credit card balance must be paid in full each month, including the cash advance balance.

To get started, log in to Online Banking and click Credit Card Cash Advance under Related Tasks on the right side of the Account Summary screen. Review the need-to-know information on the Understand Cash Advances page, click Start Request when you're ready to continue, then follow the steps to complete the process.

Note: You will need to agree to the terms and complete a security step before submitting your request.

You can set up automatic payments from a BECU checking, savings, or money market account. You may choose to pay either the minimum payment due or the statement balance. To set up automatic payments for your credit card account, call us at 800-233-2328, send us a secure message in Online Banking or the BECU mobile app, or visit any of our locations.

To dispute a transaction on your credit card account, first attempt to resolve the issue with the merchant. If the merchant does not cooperate, call us at 800-233-2328, send us a secure message in Online Banking or the BECU mobile app, or visit any of our locations after the transaction has posted to your account. A Cardholder Dispute Form may be required. Please note: Transactions must be disputed within 60 days from the date you receive your statement.

The best way to activate your BECU credit card is to call 800-527-7728. The line is available 24 hours a day.

Payments received between 12:01 am - Noon Pacific Time will be posted to your account the same day.

Payments received between 12:01 pm - Midnight Pacific Time will be posted to your account the following business day.

It may take 3-5 days for your available credit to reflect your payment.

To report your card lost or stolen, send us a secure message in Online Banking, visit any of our locations, or call a BECU representative at 800-233-2328 (during business hours) or 866-820-2999 (after hours). For TTY support 24/7, call 888-918-7323.

To change your credit card PIN, have your card handy, dial 888-886-0083 and follow the instructions. PIN changes may be requested 24 hours a day, seven days a week and are effective immediately.

To switch the type of credit card you have, give us a call at 844-232-8562, send us a secure message through Online Banking or the BECU mobile app, or visit any of our locations. Please note: Pricing may vary across different card types. For more information on credit card rates and fees, see BECU Consumer Lending Rates & Related Disclosures – Credit Cards.

Yes, BECU credit cards currently support Google Pay, Samsung Pay, Apple Pay, Garmin Pay and Fitbit Pay.

To set up Google Pay or Samsung Pay for the first time, make sure your device meets our system requirements and you have the BECU mobile app installed on your device. Once installed, open the app, tap Next, and follow the on-screen instructions to activate the service.

To set up Apple Pay, ensure your device is running iOS 8.0 or higher. (For security reasons, you should always keep your operating system updated.) Open the Passbook application on your Apple device and follow the on-screen instructions to activate the service.

The primary or joint cardholder must request to add an authorized user.  To do so, call us at 800-233-2328, send us a secure message in Online Banking, or visit us at any of our locations.

Balance transfer requests may be submitted over the phone, in person, or through secure message in Online Banking. In order to process your request, please have the following information available:

• Payee account number
• Payee name
• Payee address, city, state, and ZIP code (ZIP+4 preferred)
• Amount you wish to transfer

Most balance transfer requests are completed within 2-3 business days, but please allow up to 10 business days for the payee to receive payment. Remember to pay at least the minimum amount due to your other lender until the balance transfer payment posts.

Any cardholder (primary, joint, or authorized user) age 18 and older can request a balance transfer.

Balance transfers are calculated as cash so there is no grace period from interest accrual.

Balance transfers can only be performed on accounts in good standing—meaning the account is current (not delinquent) and not over the available credit limit.

No, BECU does not allow this type of balance transfer.

You can use the all the credit available but if the amount you're transferring is equal to the available credit limit of the BECU Visa, the accrued interest will immediately put your account over the credit limit when your statement cycles.

No, you don't have to be the cardholder. For example, a parent with a BECU Visa can complete a balance transfer for their child's non-BECU card account.

Yes, you're responsible for making payments on the non-BECU card account until the BECU balance transfer check has posted.

It can take about seven days depending on your other financial institution's ability to accept electronic balance transfer payments.

No, BECU does not charge a fee for balance transfers.

No, balance transfers do not earn reward points or cash back, as they are considered cash transactions.

You can usually find this with the remit payment information on your monthly payment due notice from the other financial institution.

The interest will immediately accrue on your account when your statement cycles.

Call us at 800-233-2328 during regular business hours.

BECU requires all nine digits to ensure we send the final payment for your balance transfer to the correct non-BECU card account.

When the card image is grey and you can't click on it, it means the card is not eligible for a balance transfer at this time. The reason will be displayed in the text below the image. This happens when your account is newer than 10 days, when it's delinquent, or when it's over the credit limit.

When you add an authorized user to your account, a credit card is issued in their name, and they can use the card for purchases and cash transactions. An authorized user is not a primary or joint cardholder, and they have no obligation to make payments to your account. They can report a lost or stolen card, but cannot close an account or add other authorized users.

Being an authorized user on an account can help a person start building their credit history. Information we report to the credit bureaus about the primary cardholder's last 24 months of account activity (both positive and negative) is reflected on the authorized user's credit report.

If you (the authorized cardholder) have kept your account in good standing, the reported activity can improve an authorized user's credit score. Any interruptions in your payment history over the last 24 months could negatively impact an authorized users' credit score.

You can call us at 800-233-2328, send a secure message in Online Banking or the mobile app, or visit any BECU location to add or remove an authorized user.

No, a credit application is not required for either the primary cardholder or the person being added to the account as an authorized user.

Anyone age 13 and over can be an authorized user on a credit card account.

You'll need to provide the authorized user's name, date of birth, Social Security number and their mother's maiden name.

You can have up to four authorized users on your account.

Yes, if the authorized user is 12 years old or younger.

No, adding or removing an authorized user will not impact the primary cardholder's credit.

Accounts are reported monthly to the credit reporting agencies around the time of the statement date. It could take up to 45 days for the tradeline (record of account activity) to be reflected on the authorized user's credit report.

Yes, positive, and negative credit history will report as long as the authorized user is on the account.

The authorized user can dispute inaccurate information directly with the credit reporting agencies. The authorized user can also call us at 800-233-2328, send a secure message in Online Banking or the mobile app, visit any BECU location or send a written letter to: BECU Credit Reporting Disputes MS 1082-1 PO Box 97050 Seattle, WA 98124.

We're making this change in response to member requests for this credit-building tool because being an authorized user can help a person start building their credit history.

The authorized user or the primary cardholder can contact BECU and ask for the authorized user to be removed from the account. Call us at 800-233-2328, send a secure message in Online Banking or the mobile app, or visit any BECU location.

Accounts are reported monthly to the credit reporting agencies around the time of the statement date. It could take up to 45 days for the tradeline (record of account activity) to be removed from the authorized user's credit report.

Cards are sent via First-Class Mail and will arrive in approximately seven business days.

No, BECU does not report business credit card accounts to the credit bureaus.