BECU Arvostelua 

Exceptional Business Banking Experience – Seattle Hill BECU

I scheduled an appointment to open a business account at BECU—my wife and I already use them for personal banking and they never disappoint. I arrived early and was warmly greeted by Branch Manager Mr. Rodriguez, who knew my name and exactly why I was there. His knowledge of business banking and attention to detail made the process smooth and reassuring for someone new to starting a business.

Later, I worked with Renée, who was equally outstanding—thorough, kind, and incredibly helpful. She walked my wife and me through the process, made sure we were set up correctly, and explained everything clearly. I returned again to handle a business fee and once more, Renée provided excellent service and support.

This branch sets the gold standard for customer service and professionalism. Highly recommend them if you’re launching a business or just want a bank that truly cares!

BECU is like credit unions, non-profit. Few fees. Friendly, local people. But their app is horrible. In addition, when you send a check online, the money is removed from your account immediately. You cannot see if the check has cleared. You will just get notified by the recipient that you are late...or perhaps lost the mortgage or insurance plan. You have to call and then speak to a different organization.

Yes, the money is taken from your account and may never be paid by BECU. You assume it's been paid and they keep the money.

You have to wait until your next statement date. Your. statement will not list the recipient. How's that for going through your statements when doing taxes, or trying to show you paid a bill...or even finding out.

Even the staff at the branch cannot tell you.

Every other institution shows checks that have not been cashed. You have no ability to track this.

This bank takes your deposits but will do everything not let you withdraw. They only let you spend $2000 per day. I tried to send a bank wire to daughter for $7500 and the person in the wire department Nolan began to question me as to why. I told him I needed it for moving expenses and he refused and had to put me on forever hold. He told me me I may be a terrorist or be doing money laundering by sending $7500 to my own daughter. I am still on hold now. Based upon my experience, I cannot recommend you do business with them

Been a longtime customer, and my family has banked with them for decades. Their customer service used to be excellent, and was a major reason I stayed with them this whole time. In 2025, that changed as I would get small, routine payments to services like Google, Youtube, and others blocked on my credit card. Calls to their customer support are not helpful, as they just blame the CC company. That's great, but your customers are still being affected by it, perhaps you should get with the CC companies and work something out. It causes a lot of pointless friction and time wasted, and getting CCs locked down can leave people stranded abroad or worse.

Speaking of call times, they are getting longer and their phone tree more obtuse to get through. Not the worst, but less helpful and quick than it used to be in years past.

Also, god forbid you miss a payment. It used to be that I could miss one or two CC payments (through hardship or otherwise) and I wouldn't get but a gentle reminder from a rep and an offer to work things out. Now they simply yank the minimum payment from your account within 10 days, no notification, AND sick harassing, demeaning Collections calls on you.

As others have shown, as long as you toe the line and have no issues, it can be a good bank. The moment that toe slips out of line even a little, they get just as ugly and brutish as any of the Big Banks, regardless of how long you've been with them. Proceed with caution and weigh them against other options out there.

ZERO Stars.

After years of building my credit line with BECU, they unexpectedly reduced it by over 75%. Despite having an excellent credit score and paying off my credit card in full in the fall of 2023, my account was significantly underutilized. Despite numerous calls and complaints, I received no response or acknowledgment from BECU regarding the impact this decision has had on my credit score and that of countless other members. This situation is utterly unacceptable and unforgivable. Not a single leader from BECU's lending team has reached out to address this issue.

why when I give all my information for an appointment I am given a 12 symbol number that i need to bring to the appointment?? This is ridiculous; I should be able to show up and give my name and get started.

I opened a non profit account at BECU and as time progressed I transitioned out of the org. I have currently visited (in person) four times to change the address and name of officers to the current structure. nice people, clearly don't know how to manage changes... very frustrating. now have to go back a 5th time to try same thing.

BECU totally dropped the ball on a HELOC application. Loan officer transferred application to a Sarah and 4 days later, it was still on the pile and she never followed up with us on anything. We have been a BECU customer for 27 years and have excellent credit. Beyond upset with BECU

It USED to be good... then they 'offshored' telephone support and it is BEYOND HORRIBLE. The "agents" have HORRIBLE ENGLISH and are difficult to understand. THEY ARE ALSO HIGHLY UNCOOPERATIVE!

While I do appreciate their fraud protection, IT TOO IS BEYOND ABSURD. They will CANCEL your card if a 'fraudulent' charge is detected.

If you're lucky, you'll get a phone call, OTHERWISE, YOU WON'T FIND OUT UNTIL YOU TRY TO USE THE CARD AND IT'S DECLINED!

Whether you call them, or they call you, the agent starts blabbering off charges from your statement. If you don't recognize the charge, instead of blocking that vendor, THEY IMMEDIATELY CANCEL YOUR CARD.

As a result, I've been through FIVE CREDIT CARD NUMBERS IN THE PAST TWO YEARS, which makes it a big pain if you are using it to pay for subscriptions!

To add insult to injury, THEY WILL NOT RUSH SHIP A REPLACEMENT CARD, SO YOU ARE AWAY FROM HOME, YOU ARE SCREWED FOR SEVERAL WEEKS UNTIL YOUR CARD SHOWS UP

THEY DID THIS TO ME WHILE I WAS ON VACATION, I told them:
"I am on vacation and have no way to verify this until I get home... I STILL NEED TO USE THIS CARD TO PAY FOR VACATION EXPENSES. PLEASE BLOCK THAT SUSPICIOUS CHARGE WITHOUT CANCELING MY CARD, and I will confirm the charge when I get home."

The automaton on the other end told me:
"We can't do that, YOUR ACCOUNT WILL BE BLOCKED UNTIL YOU CONFIRM THIS CHARGE", so either way, YOU WON'T HAVE ACCESS TO YOUR ACCOUNT!

When I asked if they could do an emergency card issue (as many good card companies do). They will say that
"WE CAN NOT DO THAT. YOU WILL RECEIVE YOUR NEW CARD IN 2 WEEKS."

THEY DON'T GIVE A DAMN THAT THEY'VE LEFT YOU STRANDED IN THE MIDDLE OF NOWHERE!

I have SEVERAL other credit cards, and NONE of them have pulled this crap. I think that I've had TWO that actually canceled a card due to a fraudulent charge.

IT HAS GOTTEN TO THE POINT WHERE I CAN NOT TRUST BECU WHEN I AM TRAVELING BECAUSE I DON'T WANT TO BE STRANDED!!

ONE OTHER PROBLEM: There is NO WAY to make a payment to a BECU Credit Card from ANY OTHER FINANCIAL INSTITUTION, so if have other accounts, YOU HAVE TO DEPOSIT THE MONEY INTO YOUR BECU CHECKING ACCOUNT BEFORE YOU CAN PAY YOUR CREDIT CARD BILL!

Do NOT put you hard earned money in this credit union! God forbid your spouse passes away suddenly and you can't make your payment until your home sells!! THEY DO NOT CARE, they want their money, they will drain your bank account to get what is owed to them and suspend any credit cards you have with them as well! THEY WILL NOT WORK WITH YOU! The mortgage company was way more understanding and worked with me the whole time. BECU just took my money and left me with nothing to pay bills!!

Just like Boeing planes, the doors come off mid flight. Stay as far away from this credit union as possible. Working with them is near impossible.

I have an auto loan with this credit union and their online system is terrible. It is actually really hard to make a payment or transfer money to your accounts. What a crazy system that makes it hard to get your money into their bank. I've worked with a handful of different banking options and this is by far the worst. Not even close.

Had a car loan with because. Very hard to work with. Consistently messed up extra payments on principal. Hard to get it corrected. Phone service was terrible wait times and then failed to resolve the issue. Took several calls each month to correct payment errors. We will never use this service for anything again.

Went to a local branch as I wanted the last three months of statements looking for a particular charge. Couldn't download as site wouldn't accept the new password that BECU gave me. Branch employee wanted to see my driver's license. It had expired 3 days before this visit. She refused. Attempting to get a replacement drivers license. Better chance winning the Lotto. Want to bet she would treat a guy the way she treated me (Senior Citizen) Date is a guestimate.

I have years of experience with this bank, and I can honestly say the issues come from leadership! Their agenda is motivated by woke culture which focuses on a certain demographic of people at the exclusion of other marginalized communities. During the new CEO live introduction at the Seattle Convention Center, the CEO introduced her preference for her own people including BIPOC/LGBTQ while overlooking other significant marginalized and oppressed groups of people. She does this by showing only these groups in her examples, showcases, and discussions! She also gave direct orders that these communities will be promoted, and white people are and will no longer be promoted for advancement. She also focuses on white privilege without the consideration that there are many white people who are part of the marginalized, oppressed, and underserved population. In fact, there are countless white people who are homeless, struggle getting a job, never get promoted, and have disabilities that affect them from being promoted, hired, and treated fairly in the workplace. Her agenda to be inclusive only includes certain groups which is the opposite of inclusiveness and is discrimination. In other words, it's all about her! They also hire managers and leads that are abusive, micro managers that terrorize their employees by threatening write ups if they don't sell enough loans. The turnover rate for member consultants is high with many opting to attain a new career or move into different positions. It's common to see biases as they hire husbands, Wifes, children, and all family members giving them an upper hand in the workplace. The consultants treat the members well but if you watch their expressions, you can see they are being deceitful and dishonest. The priority is loans, as this is what makes BECU the most money! They truly don't care about anyone but their agenda. The CEO practices active discrimination and encourages others to participate in her woke ideology! There are other credit unions that offer the same benefits without the exclusiveness, racism, discrimination, dishonesty, abuse, and deceitfulness.

What is up with all of these less than average ratings form unsatisfied customers of BECU? In my honest opinion and seeing as how I have been a loyal customer with BECU for over 10 years, I’ve had nothing but great things to say about this company! They’ve always helped me with questions that boggled my mind, to small minuscule questions that seem so simple, that I could have even answered myself. They’ve even refunded me back a few thousand dollars when I got duped from a big company in Chicago! 5 stars all around for BECU! My family, friends and myself have nothing but outstanding things to say about the way employees at BECU handle us and our quirky ways as loyal customers! Thanks a bunch BECU!

Apparently can't give negative or no stars. This CU is the WORST! I can actually say this cuz my dad was the president of a CU for 30 years!
If you are perfect then it's great - however if your X-husband files bankruptcy or your dad has alzhimers and needs to get moms name on financial stuff - then you are screwed!
They got me to pay $2,400 for what they made me think was the HELOC which not missed a pmt - nope it was for something that was written off by my x's bankruptcy but my name was on. My current "bank" said that is unethical and they should be ashamed!
My 20 year old son can't pay or withdrawl anything over a certain amt cuz there is a glitch and they still show he has a kids act. Still hasn't fixed that. It's been 2 years!
And a date? Try every day for the last 10 years!

BECU has always been very helpful to our family. Their online banking is superior to my friends’ online banking experience, and many have switched over to them. I’ve had a home equity loan for improvements through BECU and it was managed with expertise and great care. Those in the BECU office are always so pleasant and helpful. Kudos to BECU!

have been a customer since the early nineties but the customer service seems to get worse with each passing year. Specifically,
- shutting down online account and debit card for unexplained reason while I was in remote area. Fortunately had some cash on hand to get me back home.
- using ssn, mother's maiden name, birth date when all this data now resides on dark web because of recent National Public Data, data breach according to my account with Experian. no two factor authentication.
- checking account being debited without my authorization or knowledge.
- can't send an email to becu from online account any longer.
- sent me encrypted message for ATM dispute which I could not open because passcode kept changing. forwarded to tech support where I was parked on hold until I finally gave up.
The above is just a sample of BECU's awful customer service. Will be doing business with another C.U. soon. Can't take it anymore.
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Debit card cut off over the weekend. No notification, no email, no warning no text no nothing. Left me stranded with no money and needing gas. No customer service reps on the weekend so no money till Monday. They claim they can cut anybody's card off at any time for no reason and no immediate notifications need to go out. Terrible customer service. There was over 5000.00 dollars in the account. Buyer beware.