Online Payments to a BECU Loan or Credit Card

Follow the steps below to make a one-time payment using funds from your BECU deposit account.

1. Log in to Online Banking.
2. From the top menu, select Payments.
3. Under BECU Payments, click Pay BECU Accounts.
4. In the Pay dropdown, select the account you want to make a payment to.
5. In the Pay From dropdown, select your BECU account to make the payment from.
6. Click Continue.
7. Under Type of Payment, choose one of the following options:
• Regular Payment
• Principal Only
• Payoff / Pay Balance
8. Enter the Payment Amount, then click Continue.
9. Review your payment details for accuracy and click Confirm to complete your payment.

Follow the steps below to make a one-time payment to your BECU loan or credit card using funds from an external account (non-BECU).

Step 1: Add an External Account

1. Log in to Online Banking.
2. From the top menu, select Payments.
3. Under BECU Payments, choose Pay BECU Accounts.
4. In the Pay dropdown, select the loan or credit card account that will receive the payment.
5. Below the Pay From dropdown, select Add External Account.
6. Follow the on-screen instructions to link your external account.

Once your external account is added and verified, you can use it to make payments.

Step 2: Make a Payment

After your external account has been added.

1. Select Payments from the top menu.
2. Under BECU Payments, choose Pay BECU Accounts.
3. In the Pay dropdown, select your BECU loan or credit card.
4. In the Pay From dropdown, select your external account.
5. Under Payment Type, select your preferred option.
For Term loans:
• Choose either Regular Payment or Other Amount (enter your custom amount).
• Select External Account Type (choose Personal). Note: Payments from business accounts aren't supported at this time.
• Choose the Payment Date from the available calendar dates.
For Credit Cards:
• Choose Minimum Payment, Statement Balance, or Other Amount (enter your custom amount).
• Select External Account Type (choose Personal). Note: Payments from business accounts aren't supported at this time.
• Next, select Review Payment.

Step 3: Review and Submit

1. Review the information on the Review Payment Details page.
2. Check the box in the Acknowledgement and Consent section.
3. Click Submit Payment to schedule your payment.
4. To print or save a copy of the autopay confirmation, select View Confirmation PDF.

For Your BECU Account

To set up recurring automatic payments from your BECU account, you'll need to fill out a form. Please visit our Important Financial Forms page to find the correct digital or electronic form.

• For term loans, please fill out the Manage Autopay from a BECU Account form.
• For credit cards, please fill out the Visa Automatic Payment form. Please allow up to 10 business days while we process your request.

For Your External Account

To set up, edit or turn off your autopay settings when you're making payments with funds an external account, please follow the steps below:

1. Log in to Online Banking.
2. From the main navigation, click Payments.
3. Under BECU Payments, click Pay BECU Accounts.
4. On the Make a Payment on a BECU Account page, select the BECU loan or credit card account for which you want to set up autopay.
5. Underneath the Pay menu, click the Set up link.
6. The Use an External Account for Autopay page opens.
7. Select the Pay From account from the available external accounts.
8. If setting up autopay for a BECU credit card account, under Payment Type, select your preferred option.
9. From the External Account Type option, select Personal. Note: Payments from business accounts aren't supported at this time.
10. Next, click Continue.
11. Review the information on the Review Autopay Settings.
12. Check the box in the Acknowledgement and Consent section.
13. Click Schedule Autopay to set up autopay.
14. Autopay Successfully Scheduled displays. You can print the confirmation by clicking View Confirmation PDF.

Recurring, automatic payments may be updated if the payment is not in process, up to 3 business days before the Due Date.

1. Log in to Online Banking.
2. From the main navigation, click Payments.
3. Under BECU Payments, click Pay BECU Accounts.
4. On the Make a Payment on a BECU Account page, select the account for which you want to change autopay.
5. Underneath the Pay menu, click the Manage link.
6. The Autopay Details page opens.

Turn Off Autopay

1. To stop automatic payments for this account, click Turn Off Autopay.
2. You will be prompted to confirm that you want to stop making automatic payments. Click Yes, Turn Off Autopay.
3. Confirmation that you have turned off autopay appears. You can print the confirmation by clicking Print Confirmation.

Edit Autopay

1. Edit Autopay.
   • Review the settings and make any desired changes. You can change the Pay From account or add another external account.
   • For credit cards, you can also choose between paying the Minimum Payment Due or Last Statement Balance.
2. Click Continue.
3. Review the new details for autopay, select the Acknowledgement and Consent box, and click Schedule Autopay.
4. Autopay successfully scheduled message displays.

You can schedule recurring payments from your BECU deposit account to your loan or credit card. Recurring payments are designed for flexibility and convivence beyond standard payments. You can control the amount, frequency and duration of the recurring payments.

Note: At this time, recurring payments can only be set up with a BECU account.

Follow these steps to get started:

1. Log in to Online Banking.
2. From the top menu, select Payments.
3. Under BECU Payments, choose Pay BECU Accounts.
4. In the Pay dropdown, select the account you want to make a payment to.
5. In the Pay From dropdown, select your BECU account to make the payment from.
6. Click Continue.
7. For loans, select Principal Only. For credit cards, select Other Amount.
8. Enter the Payment Amount you'd like to make on a recurring basis.
9. Choose the payment frequency from the Frequency dropdown.
10. Select Today or Future Date to set your start date, then click Continue.
11. Review your payment details for accuracy and click Confirm to finish setup.

Yes. Repeat the steps under Adding an External Account for each additional external account you want to use for making payments in Online Banking.

In Online Banking, you may remove external accounts added for payments by removing the external financial institution. You cannot remove individual accounts. Removing an external financial institution for use of payments also removes it from Money Manager. It can be reconnected with Money Manager without it being available to use for payments.

Removing an external financial institution does not cancel any scheduled payments or recurring, automatic payments. Payments would need to be modified or canceled prior to removing external accounts.

1. From the righthand corner in Online Banking, select Profile.
2. Select Profile Settings.
3. Select Manage External Accounts from the External Connections section.
4. For the financial institution accounts to be removed, select Disconnect This Institution.
5. Select Save Changes.

In Online Banking, you may choose which external accounts you would like to display for use of payments.

1. From the righthand corner in Online Banking, select Profile.
2. Select Profile Settings.
3. Select Manage External Accounts from the External Connections section.
4. For the financial institution account you would like to make unavailable, select Edit Details.
5. Deselect the checkbox to Display.
6. Select Save Changes.

Yes, you can enter a nickname for external accounts. The name of the account will not be reflected in your BECU account activity, statements or on your other financial institution account statements.

1. From the righthand corner in Online Banking, select Profile.
2. Select Profile Settings.
3. Select Manage External Accounts from the External Connections section.
4. For the financial institution account you would like to not have available, select Edit Details.
5. Enter a nickname in the Account Nickname field.
6. Select Save Changes. The account nickname saved will display for the account.
7. Enter a nickname in the Account Nickname field now available and select Save Changes.

The saved account nickname will be reflected as the account name from the Pay From dropdown in the payments screen.

To use an external account that has been connected to Money Manager, it will need to also be added for use of payments. You'll need to complete authentication with your external financial institution to verify the routing and account details and confirm account ownership.

External financial institution accounts may not be available in the Pay From dropdown if not all routing and account information or account owner information is validated.

If the account owner name received through the process of validating the external account does not match BECU account owner information, an external account may not be added.

You cannot make a mortgage, HELOC or line of credit payment from an external account in Online Banking at this time.

You cannot use a business (non-consumer) account to make a payment. You must use a personal account.

At this time, you can only use a BECU deposit account to set up recurring payments. You can use an account at another financial institution to make one-time payments or set up external autopay.

One-time payments made from an account at another financial institution to a credit card cannot be modified (e.g., you cannot change the payment date or cancel the payment in Online Banking). You'll need to contact the external financial institution for support if there's a problem with the payment.

One-time payments made from an account at another financial institution to a loan may be canceled if it has not yet processed, up to three business days before the Payment Date.

1. Log in to Online Banking.
2. From the Account Summary page, select the loan account.
3. In the Scheduled Payment banner, select View Details.
4. Select Cancel Payment.
5. If you want to continue to cancel the payment, select Yes, Cancel Payment.
6. Once the payment is canceled, you may select Print Confirmation to retain a copy for your records.