Credit Card Balance Transfers

Learn how to request a balance transfer, processing times, and key requirements.

Request a Balance Transfer

Balance transfer requests may be submitted over the phone, in person, or through secure message in Online Banking.

Please have the following information available:

Payee account number
Payee name Payee address, city, state, and ZIP code (ZIP+4 preferred)
Amount you wish to transfer
Note: Balance transfers can only be performed on BECU credit cards in good standing—meaning the account is current (not delinquent) and not over the available credit limit. Any cardholder (primary, joint, or authorized user) age 18 and older can request a balance transfer.

Good to Knows

Fees: We do not charge a fee* for balance transfers.
Transfer time: Most balance transfer requests are completed within 2-3 business days, but please allow up to 10 business days for the payee to receive payment. Remember to pay at least the minimum amount due to your other lender until the balance transfer payment posts. It can take about seven days depending on your other financial institution's ability to accept electronic balance transfer payments.
Grace period: Balance transfers are calculated as purchases and qualify for the grace period.

Requesting Balance Transfers

No, BECU does not allow this type of balance transfer.

You can use all the credit available but if the amount you're transferring is equal to the available credit limit of the BECU Visa, the accrued interest will immediately put your account over the credit limit when your statement cycles.

No, you don't have to be the cardholder. For example, a parent with a BECU credit card can complete a balance transfer for their child's non-BECU card account.

Payment Billing Address

You can usually find the payment billing address with the remit payment information on your monthly payment due notice from the other financial institution.

Call us at 800-233-2328 during regular business hours.

Interest & Rewards

No, balance transfers do not earn reward points or cash back.

The grace period applies to balance transfers. We will not charge you interest on balance transfers if you pay your entire balance by the due date each month.

Balance Transfer Requirements

BECU requires all nine digits to ensure we send the final payment for your balance transfer to the correct non-BECU card account.

When the card image is grey and you can't click on it, it means the card is not eligible for a balance transfer at this time. The reason will be displayed in the text below the image. This happens when your account is newer than 10 days, when it's delinquent, or when it's over the credit limit.