BECU account fees
BECU prints a consumer account disclosure with rates and terms in effect as of 7 October 2026. This page is the NSF, wire, cashier's check, and stop payment lines from that PDF. Other credit union overdraft dollars are on [US credit union overdraft fees](/guides/us-credit-union-overdraft-fees).
Last updated: October 21, 2026
Last checked: Oct 2026
The fee schedule
Opened 21 October 2026. Source: the BECU consumer account disclosure (PDF). The fee schedule says a not-for-profit credit union aims to offer fewer fees. It does not print a monthly checking fee. The lines it does print are below.
The NSF fee is $10 per transaction when the available balance is not enough to honor a check or an ACH transaction, including a digital payment, and BECU honors or posts the item. The uncollected NSF fee is also $10, for a deposit that is still on hold. Each of those two lines has its own daily cap of five fees. A stop payment is $25 per order. A cashier's check is $6.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the disclosure prints |
|---|---|
| NSF fee, item honored or posted | $10 per transaction |
| NSF fee daily cap | Up to five a day |
| NSF fee, uncollected funds | $10 per transaction |
| Uncollected NSF daily cap | Up to five a day |
| Stop payment | $25 per order |
| Cashier's check | $6 each |
| Domestic outgoing wire | $25 |
| International outgoing wire | $35 |
| Incoming wire, domestic or international | $0 |
Member Advantage is a rate rule, not a fee line
The same PDF says you can have one Member Advantage Savings and one Member Advantage Checking. To keep those accounts you open both, sign up for free monthly eStatements, and make one monetary transaction each month with the debit card, online or telephone banking, or direct deposit. If you do not, BECU converts them to Member Share Savings, Checking, and Money Market, at the rates for those accounts. That paragraph is about the dividend rate. It is not a monthly fee.
Navy Federal, PenFed, SchoolsFirst, and Alliant print different overdraft dollars. Those rows are on US credit union overdraft fees.
Questions
- What NSF fee does BECU print?
- The disclosure in effect as of 7 October 2026 prints $10 when it honors or posts an item the available balance does not cover, and $10 for an uncollected-funds item. Each line is capped at five fees a day.
- What does BECU charge for a wire?
- The same disclosure prints $25 for an outgoing domestic wire, $35 for an outgoing international wire, and $0 for an incoming wire.
- Does the BECU fee schedule print a monthly checking fee?
- No. The 7 October 2026 fee schedule does not print a monthly checking fee. It does print the NSF, stop payment, cashier's check, and wire lines above.
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