Refer a Friend
Refer a friend to BECU. Both you and your friend could earn a $100 bonus.1
Get the Details$100 for You, $100 for Your Friend
Friends help each other out. BECU recognizes the importance of friendship and community, and those values have helped us grow bigger and stronger as a member-owned credit union.
Now through Dec. 31, we're inviting you to refer your friends to BECU. Tell them what you love about us. If they meet all promotion requirements, you and your friends will each earn a $100 bonus.1
How It Works
- Click the link below to send your friend your unique referral code along with the promo code REFER.
- Your friend joins BECU and opens a checking and savings account using the promo code REFER, along with your unique referral code. They'll need both codes to open their new accounts.
- Your friend meets the transaction requirements within the first 30 days of opening their accounts (see below) and keeps their accounts open and in good standing for at least 90 days.
Referral Transaction Requirements2
To qualify for the $100 bonus, new members must complete 10 qualifying transactions within the first 30 days of joining BECU, including any combination of the following:
- Make purchases using your BECU debit or credit card.3
- Write paper or electronic checks.
- Make deposits or withdrawals using your BECU checking account.
Offer valid 1/1/2025 – 12/31/2025
1Refer-a-Friend Reward Terms
Eligibility
You can apply for membership and open a checking account in person at any BECU location or online at BECU's website. Referring member must be 18 years or older, in good standing, and a primary on a Member Share or Member Advantage savings account. Referred friend must not be an existing member, must be within BECU's field of membership, and be eligible to open and maintain membership. Not all applicants will qualify. Referred friends who were a BECU member during the past six months and are now rejoining BECU do not qualify for the Refer-a-Friend promotion. Joint account holders, Business, Fiduciary, HSA, Zero Dividend, Early Saver account holders, and BECU employees are not eligible to participate in the Refer-a-Friend promotion.
Unique Referral Code
The referred friend must enter the promo code REFER and the referring member's unique referral code at time of application. BECU is not required to pay the promotional incentive for accounts opened without the appropriate promo code and referral code.
Referral Process
Accounts must remain open and in good standing for at least 90 days. New member and referring member will receive the $100 bonus deposit to the Member Share or Member Advantage savings account within 120 days of opening qualifying accounts, provided that they meet the transaction requirements within 30 days and keep accounts open and in good standing for at least 90 days.
Prohibited Actions
The Refer-a-Friend promotion is designed to reward real referrals. Any attempts to manipulate, abuse, or game the promotion are strictly prohibited. This includes but is not limited to:
- Referring individuals who have previously applied for an account with BECU.
- Referrers who engage in a pattern of referring people who themselves refer others in a manner that suggests an attempt to circumvent the promotion's rules may be subject to disqualification and revocation of rewards.
- Collusion, fraudulent behavior, or any activity that violates the spirit of the promotion.
To prevent abuse, BECU may review data from individual applications and referrals to verify the timing and legitimacy of the referred applications. Any referrals that occur in quick succession (within the same day or under suspicious circumstances) will be subject to additional verification and may not qualify for rewards.
Reward Limitations
Referring members may refer a maximum of 25 people during each session and a maximum of 500 times throughout the entirety of the Refer-a-Friend promotion. BECU will not deposit bonus funds to closed accounts or accounts not in good standing.
Audit Rights
BECU reserves the right to review referrals and deny rewards if fraudulent behavior or abuse is suspected. Rewards may be revoked if found to be in violation of our terms.
$100 bonus deposit will be reported for the new member as interest income to the IRS on Form 1099-INT at year-end and may be reported to the IRS on Form 1099-MISC for the referring member. Other terms, limitations, and conditions may apply. Check with BECU for current Annual Percentage Yield (APY) of accounts. BECU reserves the right to terminate this offer at any time. This promotion cannot be combined with any other promotions. BECU reserves the right to update or change the terms of the Refer-a-Friend promotion at any time to prevent collusion or abuse or adjust the eligibility criteria to better align with the promotion's intended use.
2To meet the transaction requirements, you must open and maintain active Member Share or Member Advantage savings and a checking account. New members have 30 days from the time of account opening to complete 10 or more qualifying transactions. Qualifying transactions must be made using a BECU checking account or with a linked BECU debit card, or BECU credit card and include: ATM deposits, transfers, and withdrawals; write checks or electronic checks; send ACH transactions, send international or domestic wire transfers; point of sale purchases; external or electronic deposits; credit card purchases and cash advances. Checks and electronic checks must clear account within 30 days of account opening.
3Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information.