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.

How do I request a credit line increase?

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.

How do I request a cash advance?¹

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.

  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.

  How do I request a cash advance in Online Banking?

  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.

  How do I set up automatic payments?

  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.

  How do I dispute a transaction?

  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.

  How do I activate my new BECU credit card?

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

  When will my payment post to my account?

  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.

  General Questions

  How do I report a lost or stolen card, or request a replacement card?

  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.

  How do I change my PIN?

  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.

  How do I switch my credit card type?

  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.

  Does BECU support digital wallets?

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

  How do I enroll my credit card in my digital wallet?

  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 meets our system requirements. (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.

  How do I add an authorized user to my account?

  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.