Become a Business Member Today
Fill out our Business Membership Application to get started.
Apply for BECU Business Membership
Fill out our Business Membership Application to get started.
Step 1:
Make sure your business is eligible to apply for BECU business membership.*
Step 2:
Collect your business documents.
- Personal identification for all owners and authorized signer(s)
- Email and phone number for all owners and authorized signer(s)
- Business tax ID (EIN, ITIN, or SSN)
- UBI number or relevant state registry number (refer to your business license)
- NAICS code (locate your NAICS code)
Step 3:
Join BECU online or in person.
- Apply Online
Start the application today - Apply In Person
Schedule an in-person appointment with a BECU representative or schedule an online session with a member of our video banking team. Please come prepared with the required business documents.
Questions? Give us a call at 800-704-8080.
Business Membership Eligibility*
If the business is in Washington state, select counties of Oregon and Idaho, or if more than half of the business owners or employees are members of, or donors to eligible associational groups, or otherwise within BECU's field of membership, then the business is eligible to apply for BECU business membership.
For more information on BECU's field of membership including specific eligible counties, affiliations, and partnerships, visit the business membership eligibility page.
Business Types Not Eligible for Business Membership
- Internet gambling businesses
- Marijuana dispensaries
- Money services (payday loans, check cashing, etc.)
A BECU Business Membership Unlocks These Great Services
Members pay no monthly maintenance fee and enjoy no minimum balance requirements1, with access to 77,000+ surcharge-free BECU and partner ATM networks nationwide.
Enjoy no annual fee or foreign transaction fee. Get a Low Rate Credit Card or earn 1.5% cashback on all qualified purchases with the Business Cash Back Credit Card.2,3
A business line of credit can help fund short-term expenses like payroll or inventory.2 Your business checking account can be linked to the business line of credit to provide optional NSF/Overdraft Protection.4
BECU partners with Paychex® to offer best-in-class payroll and human-resource solutions.5 We also partner with Clover to bring payment processing and business management solutions customized for your business.6
Get your business rolling by financing up to 80% of your company vehicle, with low rates, terms up to 72 months, and no origination fee.2
Frequently Asked Questions
A BECU business member has access to accounts and services tailored for business owners, including cash management account services, merchant services, business credit cards, payroll services4, commercial real estate loans, company vehicle & equipment loans, IOLTA checking for attorneys and more.
It will take approximately one hour to open a business membership in person at a BECU location, or virtually with the video banking team. Completing a digital membership application online will take approximately 30 minutes. Please note: Digital applications can take up to two business days to process. Applications completed in person will be processed same day.
If you need to open your business membership using a different form of ID, please call us at 800-704-8080 to verify if your form of ID is accepted.
Yes. If your business has additional owners, authorized signers or agents/non-authorized agents that need to be added to the account, you will be prompted to add them during the application. Any additional person(s) will need to fill out the paper application, meet with a BECU Consultant and provide a qualified form of ID.
Yes. If you would like to open additional business accounts, please visit a Neighborhood Financial Center location near you.
Give us a call at 800-704-8080, Monday – Friday, from 7 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. PST.
Looking To Open a Personal Account Instead?
Visit the Join BECU page to apply for a credit union checking and savings account, and learn more about our wide range of consumer banking services.
1 Establishing business membership requires a Business Member Share savings account to be opened and maintained; not all applicants will qualify.
2 BECU Business Loans are subject to business membership, credit approval, and other underwriting criteria; not everybody will qualify. Certain restrictions, including geographic restrictions, apply. Business and Commercial Loan programs, terms and conditions subject to change without notice.
3 Balance transfers, cash advances or any cash-like transactions, items returned for credit, unauthorized charges, interest charges and account fees are not qualifying purchases.
4 Business Lines of Credit subject to credit approval. Once established, if needed, funds transfers will be made to the business checking account in $100 increments (or the unused portion of the available credit limit if less than $100). Interest charges accrue from the date any credit advance or transfer is posted to your account.
5 Payroll services and related products are offered by Paychex®. Paychex is solely responsible for the delivery and quality of those products and services. BECU does not guarantee nor expressly endorse any particular product or service.
6 ©2023 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.