BECU PLOC

[Jnbmom]

Just curious if anyone has one currently with BECU.

Thanks

[Anonymous]

I have one. I have never used it. Only reason I got it was they pitched it to me and said it was the same hp.

[Jnbmom]

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@Anonymous wrote:

I have one. I have never used it. Only reason I got it was they pitched it to me and said it was the same hp.

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@Anonymous 

Thanks,  just curious if they sent you checks like navy etc.?

[Anonymous]

No checks, just a letter. I doubt ever plan on using it so I did not follow up. Someone said (I cannot remember where) that you use your regular checking account checks. Whatever is not in your account is covered by the PLOC.

[Jnbmom]

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@Anonymous wrote:

No checks, just a letter. I doubt ever plan on using it so I did not follow up. Someone said (I cannot remember where) that you use your regular checking account checks. Whatever is not in your account is covered by the PLOC.

@Anonymous 

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Thanks, never got checks for the checking account either lol. I swear they are run arse backwords.

[DaveInAZ]

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@Jnbmom wrote:

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@Anonymous wrote:

No checks, just a letter. I doubt ever plan on using it so I did not follow up. Someone said (I cannot remember where) that you use your regular checking account checks. Whatever is not in your account is covered by the PLOC.

@Anonymous 

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Thanks, never got checks for the checking account either lol. I swear they are run arse backwords.

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Well, if it covers what's not in your account for a check it should do the same for a ACH withdrawal. But having to OD your account to access a line of credit seems pretty arse backward too, if it's a line of credit you should be able to access it and move funds to your account so you don't OD you account.

[CreditInspired]

Well a little off topic, but this is how mine works with NFCU. I have 2 checking accts. One is a $1K overdraft--no checks provided. The other is a $14K CLOC and checks were provided that actually says on the top of the checks "CLOC."

I wonder if BECU works the same way. Just a thought. 

[Anonymous]

I have two.  One for $2500 on my personal checking account, one for $10,000 on my joint account with my husband.  No checks.  Easy enough to just transfer funds on the app from the LOC to my checking account. 

[Jnbmom]

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@Anonymous wrote:

I have two.  One for $2500 on my personal checking account, one for $10,000 on my joint account with my husband.  No checks.  Easy enough to just transfer funds on the app from the LOC to my checking account. 

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@Anonymous 

Thank you

[Gunnerboy]

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@Jnbmom wrote:

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@Anonymous wrote:

I have one. I have never used it. Only reason I got it was they pitched it to me and said it was the same hp.

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@Anonymous 

Thanks,  just curious if they sent you checks like navy etc.?

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I opened mine in 2000.  I was never given checks to use, they drafted a check for me the one time I needed access to the funds.  Nowadays, I can just electronically move the funds to my other accounts.