I opened an account for my business with BECU when my bank changed their policy after having my account for over 25 years. I want to keep the business open for now even though I’m not doing much with it because small projects still come up. But the new $2,000 minimum in checking was too high to maintain since Covid. BECU doesn’t have a minimum balance required. When I went in to my local branch to open my account I had the nicest people helping me get set up. They’re professional, patient, have the most knowledge about small business, we’re thorough, and most of all friendly. It’s so important to feel like you have a relationship with your bank professionals. It is to me. I even emailed with a question when I went in to move my other accounts over and heard back within an hour. This was all comforting for me as I switch over after years with another company. And to top it off, the online banking is so easy. I needed to change banks and couldn’t feel better about my decision to go with BECU. Seriously a positive experience all around.

I received my auto loan through a credit union. Unfortunately, it wasn’t with BECU, who’s rate was slightly higher. Because I’d wanted to get rid of my regular bank, I opened a checking and savings account with the credit union that I received my car loan from. The problem with that credit union is that it has no branches or ATMs in my city! The app is so rudimentary that it’s very difficult to use. I will refinance my loan soon and hope to transfer it to BECU if the rate is the lowest, but in the meantime, I’m transferring my accounts to BECU. Just because it’s a credit union doesn’t mean BECU is unlike banking with any other established banking institution, and they make the use of their app and website VERY user friendly, which is appreciated! You have a very pleased new customer. And Neha at the branch in downtown Seattle was a pleasure to meet and help me set everything up! Thank you, BECU!

UPDATE 6/6/23: the Visa syncing issue was fixed about three months ago, but has reappeared in the past few days. Today is 6/6, my last synched Visa transaction is 5/31. There are zero listed transactions since 5/31 including my payment, even though the payment shows coming out of the checking account a few days ago. I have confirmed I have the most recent version and there is not an app update available.Love BECU and the app. However, since I installed the most recent app update, my Visa transactions are not synching. The balance is correct, but the last transaction shown is on 2/6/23 (today is 2/16). If I login online, all of the transactions are there through today, but the app is missing the last 10 days of transactions. I’ve made sure I’m not missing a new update, and I’ve uninstalled and reinstalled the app. Update 2/22 seeing others report the same issues, and the developer response has been that there is an update available. There is NOT an update available, the most recent update that fixed the crashing issues seems to be the cause of this new syncing issue. I have the most recent app version and nothing has synced since 2/6.

I wanted to love the app, especially coming from a CU that wasn’t as tech savvy and being a developer myself. Unfortunately, BECU’s app has been more frustrating than it has been helpful. I keep better track of my money by using a ledger than I do trying to rely on their buggy app. Most transactions are days late, some transactions show pending while also showing it’s gone through, there have been instances of duplicate transactions that were not the merchant’s fault, and I’ve experienced discrepancies in my account balance in the app that has caused issues when making transactions- even with plenty of funds available. I’m unimpressed that the most important features of the app are practically worthless at this point. In addition to the app, their customer service/support doesn’t know their own system or what the fraud flagging process looks like, so I’ve gotten calls about fraud that never actually occurred. All in all, I’ve decided I’ll be switching to a different CU, but I really wanted to like BECU. 2 stars for the decent UI on the app, but -3 for the lag and bugs regarding transactions and account balance.