Online, Mobile and Telephone Banking will be unavailable for planned system maintenance Sunday, 4/22 from 12:00 AM until approximately 6:00 AM. We apologize for any inconvenience this may cause.

Checking Account Features

Your BECU checking account is more than just a place to stash your cash. Use it to simplify the way you shop and get paid. From direct deposit to digital wallets and more, BECU has you covered. 

Direct Deposit 

If your employer offers direct deposit, good news: with BECU, getting set up is easy, convenient, and completely free. Let's help you get started!

Direct Deposit Benefits

  • Get direct access to your money on payday
  • Saving a trip to deposit a paycheck
  • No paper checks that might get lost or damaged
  • Automatically divide funds across multiple accounts of your choosing

How to Set up Direct Deposit

When you're setting up direct deposit with your employer, you'll need the following information: 

  • Your 10-digit BECU checking and/or savings account number. (Log in to Online Banking to get this number)

  • BECU's AMA/routing number: 325081403

  • Some employers require you to produce a blank/voided check, direct deposit verification letter, or fill out an enrollment form. Easily order checks and look up your account numbers through your Online Banking. Need a direct deposit verification letter? Stop by your nearest Neighborhood Financial Center.

Card on File Benefits

Keeping your BECU debit card on file with your favorite merchants, apps and bills simplifies your life. Each time you pay, your stored card information will be applied, saving the need to re-enter the card information manually.

Consider adding your card on file with online retailers such as Uber, iTunes, Amazon, Netflix, Spotify, and many more. 

What you'll need:

  • Log into your retailer account or app of choice

  • Add your card information and save it

  • Add your billing information 

  • Start using your card without typing it in each time you make a purchase

Digital Wallets 

Digital wallets let you make purchases in-store without ever reaching for your debit card. They offer a secure, simpler and faster way to pay, giving you peace of mind.  In 2017, 37% of merchants accepted digital wallets, and that number will only rise as this feature gains in popularity. 

What you'll need 

Simply enter your card information on your device's secure payment app. That information gets encrypted, enabling you to make purchases without the need to ever carry your physical wallet. 

Benefits of digital wallets

  • Convenient. Easy electronic payments let you leave your real wallet at home

  • Secure. Merchants never receive your card info but a unique token to identify it

  • Fast. A simple scan of your device  is all it takes to pay

Supported wallet apps:

  • Apple Pay  - Accepted anywhere the Apple pay symbol appears.
  • Android Pay - Accepted anywhere the Android pay symbol appears.
  • Samsung Pay -Accepted anywhere the Samsung pay symbol appears. Newer Samsung devices are embedded with technology that connect to most magnetic swipe terminals.
  • Mircosoft Wallet - Accepted anywhere the contactless pay symbol appears

Questions about setting up your direct deposit, adding your card on file with your favorite online retailers, or adding your card to your digital wallet? Stop by your nearest Neighborhood Financial Center or give us a call at 800-233-2328.

Refer to the Mastercard Guide to Benefits  for specific benefit information. 

Overdraft service should not be viewed as an encouragement to overdraw your account. We encourage you to manage your finances in a responsible manner. An overdraft can occur in your deposit accounts in several ways such as when there are not sufficient fund in your accounts upon (1) the payment of checks, electronic funds transfers, or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited to your account; (4) assessment of fees; or (5) when deposited items or no yet available or finally paid, also called “uncollected funds”. We are not obligated to pay any item or payment request presented to your account if your accounts do not contain sufficient funds. BECU may or may not pay an item at our sole discretion. BECU does not include available overdraft amounts in the balance provided by a teller, at the ATM or Point of Sale (POS) debit card transaction, or through Telephone or Online Banking. Optional Courtesy Pay for Checking Accounts in a non-contractual service which is available to individually/jointly owned accounts in good standing. The Overdrawn amount in your account plus any Overdraft Fee that you owe us will be due immediately and payable on demand.

Optional Courtesy Pay for Checking Accounts in a non-contractual service which is available to individually/jointly owned accounts in good standing. We reserve the right to discontinue this service without prior notice.

Optional Courtesy Pay Overdraft Service for Debit Card Transactions in a non-contractual service which is available to individually/jointly owned accounts in good standing. We reserve the right to discontinue this service without prior notice.