Transactions FUBAR
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.
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Response from developer
Hi, Tribe. We are always looking to improve the experience for our users, and really appreciate the honest feedback. We will share this feedback with the team. Thank you for being a member.
Lacking in many areas
This is probably one of the most lackluster and frustrating banking apps out there. They've clearly done little market research and have built this app in it's current state as to what other financial institutions had probably 10 years ago. There are many missing features and they oddly filter transactions from the accounts view from the app and force you on their website for normal access and viewing of your accounts. Can't see more than a couple month of car loan or mortgage payments... Can't make a mortgage payment over the minimum amount... Can't search transactions from the account view and have to navigate to a redundant and inefficient transactions menu... BECU please redo this app and make it so that it's actually useful for the bulk of your members.
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Response from developer
Hi, Hollyberry601. We are always looking to improve the experience for our users, and really appreciate the honest feedback. We will share this feedback with the team. Thank you for being a member.
Great Banking App
This is a great banking app. It Offers for the most part, everything you could really ask for, as for daily needs on this app. It’s very nicely laid out, user friendly. WAY BETTER then My first experience at the local Branch!! 🤯 I’m SCARED to go back!! For Real!! It’s was SERIOUSLY OVERWHELMING, and not welcoming!! FAKE & SCARY 🫣 I was referred here by a friend who banks here. She knew I was in search of a Good, friendly local credit union. I was telling her about the last I had had in Colorado. Well let me just say… Exact opposite!! Then I was looking for in a “Branch Location”. However, who goes to a branch anymore unless it’s a big purchase and you absolutely have to or you absolutely have to?! 🤷🏽♀️ We use our phones?! So, besides all that, so far, I love it.
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Response from developer
Thank you so much for your encouraging star ratings! We are happy that you are happy! Thank you for being a member Lbdetny!
Just One Thing I’d Change
The best app out of all of my banks, my biggest complaint that I’ve had for the two years since downloading is that the credit card balance that it shows is for the account as a whole, not for the next credit statement. It tells you when your next statement is due, but it makes it appear like the whole balance of the account is due on that day and you have to search for a statement to see what the charges for that statement period actually were. It can be kind of alarming when it looks like I didn’t pay the full balance. I would love it so much if I could see at a glance what amount is due on the next deadline in addition to the whole account balance.
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Response from developer
Hi, Adeehay. We're always working hard to improve the app. Thanks for your download and feedback. Thank you for being a member.
Worst Banking Experience
In terms of user experience, BECU is by far the worst banking experience I have ever come across. Whether using it for mobile or online, the user experience is awful and confusing. I have no choice but to use BECU because I have an auto loan through this bank, otherwise I would not choose to bank with BECU. Linking my third party bank with BECU to make payments on my auto loan was a nightmare of its own. Also, there’s no way to setup autopay online, you have to fill out an online form (which was like finding a needle in a haystack), and then wait 10 days to get a confirmation in THE MAIL. It’s 2023 and there’s no way to setup auto pay ONLINE?? Using BECU for banking is extremely frustrating and I will be sure to stay far away from this bank once my loan is paid off. If you have the option, avoid using BECU for anything loan related - it was a miracle that I was even able to link my outside bank account to BECU. I don’t ever have trouble using technology or finding my way around things, but I actually had to call support to have them help me link the account.
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Response from developer
Hi, Euro. We are always looking to improve the experience for our users, and really appreciate the honest feedback. We will share this feedback with the team. Thank you for being a member.
Visa transactions not synching since update
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.
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.
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Response from developer
Hi Nem4865. We are sorry to hear you are unhappy with the app. Please call us at 800.233.2328 and speak with one of our Technical Support Analysts who troubleshoot with you and make your experience better.
Disappointing App
Utterly disappointing app. I have a loan account with BECU and added my salaried account to the app, on the payment option first it does not give me an option to make payment from my salaried account which I have already added and authenticated.
Secondly I cannot unhide my car loan account number. This is beyond frustrating.
Third - since I was traveling I was not sure of my password so I clicked to change password. I did the authentication to revive the link to change the password. Some idiot who made this app will ask you to add your previous password and then change the password, this beyond frustrating. How would & why would I remember my old password when a customer is requesting to reset password and they selected the option of forgot password. Very very pathetic application.
I can guarantee a person who is less tech savvy would have a nightmare to use this application.
Secondly I cannot unhide my car loan account number. This is beyond frustrating.
Third - since I was traveling I was not sure of my password so I clicked to change password. I did the authentication to revive the link to change the password. Some idiot who made this app will ask you to add your previous password and then change the password, this beyond frustrating. How would & why would I remember my old password when a customer is requesting to reset password and they selected the option of forgot password. Very very pathetic application.
I can guarantee a person who is less tech savvy would have a nightmare to use this application.
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Response from developer
Hi, ShiviBhatia. We are always looking to improve the experience for our users, and really appreciate the honest feedback. We will share this feedback with the team. Thank you for being a member.
It just gets worse and worse
BECU is now declining a $15 charge from a biz it has accepted previously, to merely top up a phone. Ok, so the deal is you call them at the number on the back of the card and you jump thru endless menu options that largely make no sense and maybe after half an hour you are connected to a human and they fix it and you’re good to go. Not anymore! Trying to top up my normal phone account and declined, so I resigned myself to go through the insanity, and I did. But guess what happens now? The recording says you can only contact BECU using the number on the back of the card during certain hours. So you try that three or four times thinking surely that can’t be right. But that’s as far as you get. But they do say if your card is lost or stolen you can hit 9 and get transferred to a human. My card is not lost or stolen but I decide to try it anyway because I need the charge to go thru. Now guess what you get when you hit 9? Yet another recording saying you can’t even report your card stolen except during certain hours. So if you just got mugged the thieves have maybe 16 hours to run around and use your card. This is insanity. Go watch the movie Idiocracy. It’s no longer a farcical flick. We are living it in real time now. One star. BECU is clearly as crazy as the Mad Hatter. It’s mind boggling.
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Response from developer
Hi dhdhgdfgd. We are sorry to hear that you are having issues. We would love to look into this for you. Please send a message with your name and phone number to social@becu.org and we'll follow up with you.
!!!App Needs Attention!!!
I just recently joined BECU and at first I liked the concept of the app but honestly it’s very frustrating when it doesn’t update very fast. I have a account at WSECU and their app is so well done and wonderful. It shows you pending transactions in real time, your available and current balance at the top, and I loved that it would show alongside each transactions in your account how much is added or deducted from your current balance. What I don’t like about BECU is that it only shows what is being deducted or added from each transaction without showing available balance underneath it. I can only see my balance at the top which makes it hard to know exactly what I had previously before money being added. It feels almost non transparent or a lot more work as you have to do the math yourself. BECU app developers SHOULD get tips from the WSECU app it could really make BECU a 5 star app in my opinion. I will say in comparison to WSECU it does have a more modern look and feel which I like. I really hope that you guys actually can update it to be more functional and easier for customers to use it.
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Response from developer
Hi, Esmeraldav18. With every new app version we are introducing new features and improving existing ones. We are sure that your thoughtful feedback will only help us improve further. Thank you for being a member.
Easy Peasy!
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!
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Response from developer
Thanks for the great review, DB7477! We definitely strive to provide positive experiences for our members and we’re glad to hear we met your expectations. Thank you for being a member.4
