Open an account online
Joining BECU is easy.1,2 Apply in minutes and receive competitive rates, low fees and banking built around you.
Start your application
Benefits & Features
- Competitive Rates (PDF) on checking, savings and loans
- No monthly maintenance fees or minimum balance requirements
- Access to a nationwide network of 77,000+ surcharge free ATMs
Frequently asked questions
Choose the account(s) you'd like to apply for above and complete the application. You can apply anytime to open a credit union account online, and in most cases, your account will be ready the same day.
To open a credit union account online, you'll need:
- Social Security Number (SSN) or Individual Taxpayer Identification (TIN)
- Valid U.S. government-issued ID (e.g., a driver's license, state ID or passport)
- Contact information with street address and phone number
You may be asked to verify your address with a utility bill or similar document.
You can open a BECU checking account with no deposit in person and with a minimum $10 deposit online. There are no monthly maintenance fees or minimum balance requirements, making it free to join and easy to get started.
Anyone who meets certain criteria can join BECU. You may either live, work, worship or attend school in certain geographies, be a part of an affiliated organization, or request that a $5 donation be made to the BECU Foundation on your behalf to meet eligibility criteria. When you open your first account, you'll be walked through the quick, simple steps of determining eligibility.
Visit the Business Membership page to learn more about how BECU can help you start and grow your business.
Why join BECU?
Since 1935, we've been a member-owned, not-for-profit credit union committed to improving the financial well-being of our members and community. That means competitive rates, few fees, and service that puts you first.