Credit Card Support

Credit card payments are accepted via Online Banking, Mobile Banking, Telephone Banking, mail, and in-person at any BECU location.

Online

1. Log in to Online Banking and click the Payments tab.
2. Click the red Go button under BECU Payments.
3. Follow the instructions to select the credit card account to pay and the deposit account to debit.

Mobile Banking

1. Log in to the BECU mobile app.
2. Click the Transfers button from the Accounts screen.
3. Select deposit "From Account" for the account to be debited.
4. Select "To Account" for the credit card account to be paid.
5. Enter the amount you want to pay.
6. When you're ready, at the bottom of the screen, slide the teal bar to the right to submit your payment.

Telephone Banking

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.

Mail

To make a credit card payment by mail, please send a check or money order payable to BECU along with your payment coupon to:

BECU
P.O. Box 84707
Seattle, WA 98124

In Person

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, Pierce County, Gig Harbor, Spokane Division, and Tukwila Financial Centers provide full teller services.

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 BECU locations.

Payments received before Noon Pacific Time will be posted to your account the same day.

Payments received before Midnight Pacific Time will be posted to your account the following business day.

It may take 3-5 business days for your available credit to reflect your payment.

To change your credit card PIN, have your card handy, dial 888-886-0083 and follow the instructions. PIN changes may be requested 24 hours a day, seven days a week and are effective immediately.

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 (PDF).

To request a credit line increase, you may submit an application through Online Banking, over the phone at 844-232-8562, or in-person at any of our locations.

To get started, log in to Online Banking. On the Account Summary page find Related Tasks on the right side of the page, then click Credit Card Cash Advance. 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 use up to 40% of your available credit for a cash advance.

The primary or joint cardholder must request to add an authorized user. To do so, call us at 800-233-2328, send us a secure message in Online Banking, or visit us at any of our locations.

The best way to activate your BECU credit card is to call 800-527-7728. The line is available 24 hours a day.

To report your card lost or stolen, send us a secure message in Online Banking, visit any of our locations, or call a BECU representative at 800-233-2328 (during business hours) or 866-820-2999 (after hours). For TTY support 24/7, call 888-918-7323.

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 been posted to your account. A Cardholder Dispute Form (PDF) may be required.

Please note: Transactions must be disputed within 60 days of the date you receive your statement.

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 meets our system requirements. (For security reasons, you should always keep your operating system update.) Open the Passbook application on your Apple device and follow the on-screen instructions to activate the service.