Cartoon image of people gathered outside of a BECU location

Switch to BECU

Learn how to switch your checking and savings to BECU.

BECU has over 50 locations and a network of over 30,000 fee-free ATM machines. Plus, members with Member Advantage are reimbursed up to $3 a month for out-of-network ATMs1. It has never been a better time to switch to BECU.

Switch to BECU

1. Confirm Eligibility

First, you'll need to make sure you're eligible to open an account at BECU. If you live or work in Washington state, you're eligible. If you live or work in some parts of Oregon or Idaho, you're eligible. If you're a Boeing employee or retiree, family member or spouse of a Boeing employee you're eligible.

Check Eligibility

Switch to BECU

2. Open Checking or Savings Account

There are three ways to apply for a BECU account:

  • Apply Online. Applying online takes roughly 15-20 minutes. Once you've completed the process, you can choose to have your debit card mailed to you, or have it printed in person at one of our locations.

  • Apply In Person. Applying in-person takes a little longer, but debit cards are printed for immediate, same-day use. Plus, we can help you through any hiccups you might encounter when opening your account. We can also assist you in setting up your BECU Online Banking profile, nicknaming your accounts, creating automatic transfers, and even downloading our mobile app2.

Find a Location Near You | Schedule an Appointment

Download and mail us the application (PDF) (this will involve a 2-4 week wait time, including additional waiting period for a mailed debit card).

Switch to BECU

3. Set up an Online Banking Profile and Log Into Your Account

If you didn't sign up for Online Banking during the sign-up process, you'll need to set this up. Doing so helps you access your funds and also view some pretty great online tools. Give us a call if you have any problems: 800-233-2328.

We also have an easy to use mobile app. Use it to deposit checks on the go and find your closest ATM. Download it on your app store for iOS and Android devices.

Switch to BECU

4. Set up Direct Deposit

Once you have set up Online Banking, go on in and grab your account number. You can find your checking and/or savings account number in the Account Summary tab.

  • Write down your new account number(s)

  • Note BECU's routing number: 325081403

  • Contact your HR department and ask what they'll require (usually a form) to set up direct deposit

Switch to BECU

5. Set up Online Bill Pay (Auto Payments) and/or Transfer Accounts to BECU

  • Set up Bill Pay Online Directions | View Video
  • Transfer Accounts to BECU such as checking balances, money markets or certificates of deposits (CDs)
Switch to BECU

6. Confirm Direct Deposit and Transfers, then Close Your Old Account(s)

  • Ensure your newly set up direct deposit and automatic payments work

Double-check money is coming in and going out: Confirm your direct deposit is paying you, and auto-pay is paying any bills you have set up.

Establishing membership requires a Member Advantage Savings, an Early Saver, or a Member Share Savings account be opened and maintained.

1Refund of out-of-network ATM fees charged by the other financial institution on ATM withdrawals from a Member Advantage Savings, Member Advantage Checking, or Member Advantage Money Market account. Refund will be made in to the Member Advantage account of withdrawal. Account must be open and still considered Member Advantage at time of refund. Refunds processed daily and may take up to three days due to cut-off and posting times. If you share your Member Advantage account with another person, your maximum fee reimbursement will still be $3. Member Advantage eligibility and benefits are subject to change.

2Airtime, roaming, data usage and minutes of use may be billed by your mobile provider.