Credit Card Frequently Asked Questions
- Log in to Online Banking and click the Payments tab.
- Click the red Go button under BECU Payments.
- Follow the instructions to select the credit card account to pay and the deposit account to debit.
- Log in to the BECU mobile app
- Click the Transfers button from the Accounts screen.
- Select deposit "From Account" for the account to be debited.
- Select "To Account" for the credit card account to be paid.
- Enter the amount you want to pay.
- When you're ready, at the bottom of the screen, slide the teal bar to the right to submit your payment.
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.
To make a credit card payment by mail, please send a check or money order payable to BECU along with your payment coupon to:
P.O. Box 84707
Seattle, WA 98124
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.
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.
- In person at one of our Shared Branch partner locations or at another financial institution, up to your available cash line and in accordance with their policies and guidelines.
- At any BECU ATM, one of our partner Shared Branch ATMs, or an ATM at another financial institution (up to $500 per day). You will need your BECU credit card and PIN. Please note: BECU does not charge cash advance fees, but non-network ATM fees may apply. If you need to reset your credit card PIN, have your credit card handy and call 888-886-0083.
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.
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.
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.
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.
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.
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.
Yes, BECU credit cards currently support Google Pay, Samsung Pay, Apple Pay, Garmin Pay and Fitbit Pay.
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 is running iOS 8.0 or higher. (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.
Balance transfer requests may be submitted over the phone, in person, or through secure message in Online Banking. In order to process your request, please have the following information available:
- Payee account number
- Payee name
- Payee address, city, state, and ZIP code (ZIP+4 preferred)
- Amount you wish to transfer
Most balance transfer requests are completed within 2-3 business days, but please allow up to 10 business days for the payee to receive payment. Remember to pay at least the minimum amount due to your other lender until the balance transfer payment posts.
Any cardholder (primary, joint, or authorized user) age 18 and older can request a balance transfer.
Balance transfers are calculated as cash so there is no grace period from interest accrual.
Balance transfers can only be performed on accounts in good standing—meaning the account is current (not delinquent) and not over the available credit limit.
No, BECU does not allow this type of balance transfer.
You can use the all the credit available but if the amount you're transferring is equal to the available credit limit of the BECU Visa, the accrued interest will immediately put your account over the credit limit when your statement cycles.
No, you don't have to be the cardholder. For example, a parent with a BECU Visa can complete a balance transfer for their child's non-BECU card account.
Yes, you're responsible for making payments on the non-BECU card account until the BECU balance transfer check has posted.
It can take about seven days depending on your other financial institution's ability to accept electronic balance transfer payments.
No, BECU does not charge a fee for balance transfers.
No, balance transfers do not earn reward points or cash back, as they are considered cash transactions.
You can usually find this with the remit payment information on your monthly payment due notice from the other financial institution.
The interest will immediately accrue on your account when your statement cycles.
BECU requires all nine digits to ensure we send the final payment for your balance transfer to the correct non-BECU card account.
When the card image is grey and you can't click on it, it means the card is not eligible for a balance transfer at this time. The reason will be displayed in the text below the image. This happens when your account is newer than 10 days, when it's delinquent, or when it's over the credit limit.
1Cash advances are limited to three in a 24-hour period, and the maximum that can be advanced is $10,000. Online Visa® cash advances are available for consumer cards only. Cash advance terms and conditions apply.