Daily Transaction Limits and Requesting Limit Changes

Daily Transaction Limits

All BECU Members have daily limits on debit transactions and ATM withdrawals to help protect against fraud. Each debit transaction and ATM withdrawal, including transactions completed by other signers on your accounts, counts toward your daily access limits. If you attempt to make a purchase or withdrawal that exceeds the daily limit, your transaction will be declined.

Access limits vary due to account activity and maturity.

How To See and Change Your Daily Limits

Primary account holders can view their daily access limit in Online Banking or the mobile app1. To request changes, you must log into the mobile app. Please note that this feature is not available in Business Online Banking.

To view your access limits in Online Banking:

  1. Log in to Online Banking.
  2. Navigate to Related Tasks on the Account Summary screen.
  3. Select Manage Your Debit Card.
  4. For security, you may be asked to verify your identity before proceeding.
  5. Follow the on-screen prompts.
  6. Select Agree and Continue.

On the Manage Your Debit Card screen, you will see your ATM withdrawal and transaction limits, as well as your usage of each for that day.

  • ATM withdrawal limit: The amount of money you may withdraw from an ATM in a single day.
  • Transaction limit: The amount you may access per day for purchases and cash back using a debit card. The limit applies to all transactions, whether you enter your PIN or sign at the point of purchase.

If you are a joint account holder but have no BECU accounts of your own, you will not see daily access limits in Online Banking.

Example of ATM and debit daily limits displayed in Online Banking

To see your access limits in the BECU mobile app:

  1. Open the app and sign in.
  2. Select ☰ at the top right-hand screen. 
  3. Select Card Manager in the menu.
  4. Tap on a card.
  5. Select Daily Limits and the checking or savings account you'd like to view.

To change your daily limit in the BECU mobile app

After following the steps outlined above

  1. Select Change next to the limit you would like to adjust.
  2. Follow the on-screen instructions. 

Other Ways to Request a Daily Limit Change

If you don't have the BECU mobile app, there are other ways you can request an exception to your daily limit.

A representative will request some information to determine if we can approve the limit change and for what period of time. Any time a limit change is requested, we will automatically mail a disclosure letter to the primary account holder. If you ever receive a disclosure for a limit change you did not request, contact us immediately.

Image shows a phone screen displaying an example of daily limits in the BECU mobile app.

Who Can Make Limit Change Requests

Adult consumer accounts: Primary account holders, joint and authorized signers.

Early Saver accounts: Adult joint or authorized signers on a minor's account can request exceptions on the minor's behalf. To make an adjustment via the BECU mobile app, the adult must also have an active debit or ATM card for the minor's account. Minors cannot request access limit exceptions.

Business accounts: Authorized signers of the business account. If the sole proprietor or LLC uses an SSN, the requestor must be the person who owns the SSN.

Access for making an adjustment via the BECU mobile app is based on the business type and tax ID used to register the business account. For requests via the mobile app, only the tax owner of the sole proprietorship or accounts registered with an SSN can make change requests. All other business types cannot make change requests via the mobile app.

Contact a BECU representative if you need help processing your request.

Related Resources

1Airtime, roaming, data usage and minutes of use may be billed by your mobile provider.