BECU Arvostelua 

Had a joint loan with BECU with my ex on an RV. Divorce papers stated my ex was supposed to keep the rv, but he never refinanced. RV loan was defaulted by my ex, and it’s now on my credit report. BECU is continuously reporting this same loan under different account numbers to the credit bureau constantly tanking my credit score by 90pts. I’ve finally had it removed recently and BECU resubmitted it again as a new account.
It is against the law to report the same debt twice!!!!! The loan was not sold or transferred. It’s the same exact loan/closed account. That is u lawful and must be removed. First time I can see it was possibly a mistake but this is now the second time after I just had it removed.
Unscrupulous practices, violate FAIR DEBT COLLECTION practices and violate law on FAIR CREDIT ACT. Do not do business with them at all costs!!!!!

I've used BECU for seven years, and have found them to be an upstanding institution. There are very few fees, they do everything in their power to make sure you're treated right, and their app & web interface are top notch.

I haven't used them for home nor auto loans, but can vouch for checking, savings, credit card & cash back, and personal loans. In-person service is also always excellent and helpful.

Great institution overall, conservative use of money and good reserves. However, they seem to have no ability to maintain the messenger function on their app. It is not working about 80% of the time in my experience. This makes it very difficult to communicate with them on the road, without my PC, and without having to call. I have repeatedly informed them of this, despite running the latest version of the app, etc., and it never gets a fix that lasts.

I’ve tried to assume the loan for my current residence that I’ve been living in and paying the mortgage since going through divorce for the past year and a half.From Day one, working with Darlene Adams, who just refused to give any explanation at all of how the process works or why I was denied, to Linda Steele who blatantly stated that their department was understaffed And no one cares if or when they get back to people because they aren’t paying overtime anymore since Covid was dying down, my opinion could been totally different if just one of them had clearly communicated some parameters or expectations. I paid $45,000.00 towards my principal, re- amortized the loan with orders from a Judge for my ex husband to comply and applied again And I was still denied. My mortgage payment currently is 2463.40 at 3.875% for 16 years 9 mo left.
I’ve applied for a new loan, also through BECU, and have been approved. The payment of the new loan I was approved for is 2382.00 at 6% interest for 30 years. A whole 81.40 difference.
Can you explain how someone can be disqualified for a whole 81$? Couldn’t I of just put down more money towards my mortgage to reduce the payment more? Any amount of communication would have been so appreciative from Cenlar but it just never happens. All attempts at communication from ANY other BECU staff is just that “I don’t work in that department so I do not know.” How about, can I talk to someone who does know the answer ?

BECU is the worst financial institution that I have ever used. Communication is terrible. Wait times on the phone and in the bank are ridiculous. Customer service is worthless. I can't wait to close my accounts with BECU.

Do not do international
Wire transfers, my
Money never made it. They got the zip wrong and said “ oh it doesn’t matter “
Terrible customer service about wires, zero accountability for money sent to outer space apparently and no help to find sent money (that never made it) “We communicate electronically and we may never hear back from the bank to see if funds were picked up “, “all
We can do is keep trying electronically “ Save yourself headache, go anywhere else ! they outsource wires through Wells Fargo

I arrived at the BECU branch in downtown Seattle a day before I went to Cambodia for a business trip. I was approached by James Middaugh, a BECU personal banker; he came to me, and I completed my document to close my old business account a week prior. I asked one of the private bankers a week earlier if I could take the document home so I could complete and I will drop it off after. So I finished that documents and arrived at the BECU branch a week later to drop off my completed paper to James Middaugh, who's a BECU personal banker; when I came, I handle over my document to James he just took it from me and placed it in the back of his office and did not take a look at my paper he handles over his business card and says he will process my account he assures me that he will help me but fail to do so and emails me his documents and says the paper that I dropped off is not completed with missing business document. He can only move forward once I complete additional documents that he will send through email and have me fill out ten documents. Extraordinary personal banker, I signed all the other ten papers James emailed me thinking I will. Still, he could have been more helpful. He doesn't know anything about his job; I wonder why BECU gave him his position. And I put my trust in time fail to do the most simple task.

location ; 1527 2nd Ave, Seattle, WA 98101, United State

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.)

Don't do banking or loans from them. No online payment methods whatsoever(they aribtraily pick and choose if you can or not). So you MUST use their phone system(30 minutes each stinking time and it's an additional $5 each time) or deposit money in their banks to pay from there. Outdated everything, and sneaky ways to make money from you.

No customer service and really unhelpful staff. I have to drag information out of them or I have to already know how to fix the problem before dealing with them. They are very unresponsive--there is virtually no email; you have to wait on the phone for a really long time for everything; and can't use a break or a lunch to handle any banking matters with them. I never get my mail from them--I have had to physically show up in person for the last 3 card replacements. I don't have time, i have to work and they are SO SLOW you can't do anything in under 15 minutes. Car loans with them are messy--you have to know how the process already works and watch them. They claimed they didn't have my insurance info and instead of calling, they sent me a letter that they assessed me $3204 and my car payment went from $343 to $616. Once I was able to understand what was happening and get my insurer to send proof, they refunded me $1700, and the payment is now $453. I get to deal with this during the holiday. I have been a member for a long time and no one even called me. I am on my app daily, no messages. Terrible, awful, greedy snakes. Also, don't make car payment early. I did that on my first payment and they told me I NEVER made a payment and threatened to repossess my car. I want to move but it's hard but maybe I can warn others. STAY AWAY. It's not worth it

above and beyond help, very understanding and patient. thank you Kari in bonney lake, best always michael

I applied and was approved for a credit builder loan where the account is funded by me directly giving BECU the total amount of the loan at sign up. I was promised that this method would boost my credit after the duration of the loan. 6 months later the loan is paid in full BECU closes my account and cause my score to drop by 50 points, destroying my credit even more and worse before ever signing up with them. I went into Burlington, WA branch and one of the female clerks basically called me a liar by saying she doubts my score dropped tha low due to them closing the account. I showed her the evidence and she gave me a number that led to another branch giving me the run around. I wanted to go postal but instead I moved on. DO NOT bank at BECU they are the worst place to ever bank with.

Their web and mobile app is constantly down. If you're traveling abroad and need to transfer funds or check your accounts, what can you do? It very unfortunate as I prefer to support credit unions but this bank cannot be reliable if your traveling abroad or need help with your account

We have had our business account with BECU for 8 years now. Service quality has been constantly degrading last 4 - 5 years. Their new business account online website is horrible; (I think they found the cheapest web designers in town to make that.) We have told them constantly what the problems are but have seen no improvement. We cannot read our own account details online. After we deal nearly $0.5 M transaction with them annually, they dared to decline our $5000 car loan request! What are they thinking? We work for them, or them for us?! When we tried them for a personal mortgage refinancing, we found their practice to be predatory: They wanted to sell us what we didn't need, nor asked for. This is taking advantage of people's trust; likely criminal financing. Extremely poor performance all the way around. After all these years giving them plenty of chances to improve, it's time to move on. We are moving our business account to another institution. Soon, likely our personal account to. Our two cents: Stay away. There are better options around, where you keep your nerves, save your frustrations and have better service.

By far the absolute worst bank I’ve ever banked at in my 45+ years of banking . And you have to go online and fill out a bunch of paperwork just to close your accounts. Never again and I tell anyone who is considering this bank DONT DO IT you’ll regret it.

I have been a member of BECU since 1983.
1. I have purchased 7 homes, BECU did not finance any of them. Even when I had more money in the bank then the value of the home I wanted to purchase. I was told, "I could go gamble my money away in one night.".
2. When I was joint on my daughter's accounts and she started going sideways, I went in person and had myself removed from her accounts. They only removed me from one of her accounts. I got stuck with her mess. I paid it.
3. For the 3rd party data breach BECU had, they hired another 3rd party to take the phone calls. The 3rd party BECU hired to take the calls had no information and could not answer any questions.
4. BECU does not accept the legal court documents signed by the Judge/Commissioner for trusts and power of attorney. They require you to fill out their documents, a painful and onerous experience.
5. I have multiple power of attorneys with BECU. It is hit and miss if they can find them in their system. Sometimes they put the information on my account, sometimes they put the information on the person's account I am POA for. I shouldn't have to carry the originals with me after they are recorded with the financial institution.
6. The VISA rewards program changed entirely without notice. All history has been lost.
7. You can't get a person on the phone after hours, ever.
8. BECU limits your ATM withdrawals if you don't call. You can't call, because they don't answer the phone.
9. I had a "0" balance on my VISA and a high limit. I went to pay for new teeth. My card was declined.
10. I went to BECU and closed five accounts including my VISA, it's no good to me if I can't use it.

I was previously an employee. Last year, an African female was appointed to replace the outgoing CIO (not to disparage Africans or females), just illustrating the diversity, equity, and inclusion mindset allowed for a diversity hire. approximately 142 people's positions were eliminated last year. Now, BECU is barely able to keep the lights on and customer satisfaction has suffered tremendously. The CEO is outrageously absent and the board of directors is running scared as they used to be a bunch of white men. Given today's politics these cowards are allowing a once great financial institution to circle the drain with the diversity, equity, and inclusion mindset. There are already laws in place to prohibit discrimination yet this "woke" company is now practicing reverse discrimination by awarding mortgages to those that cannot afford nor deserve them whilst holding whites to a different standard. Go elsewhere!

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

BECU - the downhill descent continues. Randomly heard notice that my account was flagged for fraud since I made an online purchase in AZ??? No phone call or text, just deactivated cards on my primary checking account. The security team tried to unblock and basically everything was frozen for weeks. They didn't know what was going on and asked to get a whole new card and redo all my automatic payments. This caused me to leave BECU after 10+ years. Do yourself a favor and save your time by going elsewhere. Huge disappointment and bad customer service overall.

They do not offer ACH payments out of business accounts! Never heard of such a thing but got all the way thru opening a business account and asked to set up my ACH right away for several lease payments out of state and was told no such service offered and they were thinking of adding it in future. Wth? Not a good bank for small businesses.