Membership Accepted With BECU

[RootDet]

Congrats! I recently joined myself, i mailed in my app due to a security freeze. took them a month to process.

Any idea if BECU provides pre-approvals? I already got my fico score online. 

[AllZero]

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@RootDet wrote:

Congrats! I recently joined myself, i mailed in my app due to a security freeze. took them a month to process.

Any idea if BECU provides pre-approvals? I already got my fico score online. 

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Congratulations on your membership!

I'm unsure if they send out pre-qualifications or pre-approvals. Gauging by your profile, you could be a candidate for an application. They will HP TU8 for credit applications.

[RootDet]

Well, word to the wise. They hate you if your out of state. When i mailed my app, I included several pieces of ID verification. Yesterday they frize all my accounts after applying for a loan, and here is the real kick. They asked for it all back again! No way to talk to th security team,you have to get a BECU rep to be your lipman.  They don't even have the honor of telling you you are restricted, you just can't login one afternoon and hav to spend 20mins on hold listening to the god awful music. 

I have had my rough times with CU's before, and Navy FCU was no pleasure cruise. But BECU makes my experience with Navy's Security Team (resulting in a 6 hour drive to a branch) feel like a sail down Willy Wonka's cholocate factory. 

For now my accounts are frozen while they ask for 3 paystubs, last year taxes and a utility statement. Sounds standard for a loan application but never in my life had my deposit accounts frozen over it. I'm just glad i had not used BECU yet except for some test zelle transactions. 

[Anonymous]

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@RootDet wrote:

Well, word to the wise. They hate you if your out of state. When i mailed my app, I included several pieces of ID verification. Yesterday they frize all my accounts after applying for a loan, and here is the real kick. They asked for it all back again! No way to talk to th security team,you have to get a BECU rep to be your lipman.  They don't even have the honor of telling you you are restricted, you just can't login one afternoon and hav to spend 20mins on hold listening to the god awful music. 

I have had my rough times with CU's before, and Navy FCU was no pleasure cruise. But BECU makes my experience with Navy's Security Team (resulting in a 6 hour drive to a branch) feel like a sail down Willy Wonka's cholocate factory. 

For now my accounts are frozen while they ask for 3 paystubs, last year taxes and a utility statement. Sounds standard for a loan application but never in my life had my deposit accounts frozen over it. I'm just glad i had not used BECU yet except for some test zelle transactions. 

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The test Zelle is likely what did it. Same thing happened to me two years ago. Everything was approved, logged in and set up my accounts, sent my opening deposit with Zelle, and bam! Locked out. That set off a chain of phone calls and electronic faxes that never quite met their criteria and I just got fed up and had them mail me a check for the money I put in the account which took some fighting because they refused to close the account since they couldn't verify my identity. Finally got them to send me a check based on the fact my Zelle payment was from my personal checking account (name match). 

[RootDet]

Zelle was probably 2 months back. They literally left me alone until i applied for the CC. I don't jump into bed right away with these places. This is a prime example.