Posted by William Charles on June 14, 2018
Bank Account Bonuses

Published on June 14th, 2018 | by William Charles


[WA & OR only] BECU $100 Referral Checking Bonus For Both Parties – No Direct Deposit Required

Bonus is back for 2018. Please make sure you’ve only shared your code once. Codes shared more than once will be removed. NO EXCUSES NO BULLSHIT

Reposting because it’s available to some in Oregon. Oregon: I live or work in the following counties: Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, and Yamhill. Hat tip to reader Revil.

Bonus is back for 2017. Thanks to reader William E for letting us know.

Offer at a glance

  • Maximum bonus amount: $100 for both parties
  • Availability: Must be eligible to join CU (live, work or worshipping in Washington State qualifies you – more options here). Looks like it’s also available to some in Oregon as well
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft
  • ChexSystems: Unknown 
  • Credit card funding: Unknown 
  • Monthly fees: None listed
  • Early account termination fee: None listed
  • Expiration date: October 14th, 2016 December 31st, 2016 October 1st, 2017 – December 31st, 2017 June 12 until July 31, 2018

The Offer

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Here is an additional referral code.

I know a few other members and might be able to find some more. Make sure you post if you used them, this is actually a great credit union.

Cole, I’ve signed up, and I will use your code tomorrow. Scratch that off as one of your referrals.

Just used your original code, thanks Cole!

Lets be honest, I do want to cash in on your referal. But that’s $100 to each of us and BECU has be an awesome credit union to work with.

No direct deposits nessesary, keep like $5 in your account to keep it active. That’s it.


Just used your code, thanks Alan.

My referral code is: 2330667
I would appreciate if anybody uses it.

Please correct the code. The right code is 2230667

Is that a hard pull? I’m in NY and it looks to me that will pull my Trans Union. I have 7 inquiries in Trans Union and have my experian frozen.

After entering my full SSN, here is the message on their page:

“Thank you for considering BECU. Unfortunately, we are not able to open your account today. This decision was made after we reviewed your application and information provided by the consumer reporting agencies listed below.

our Credit Score
Your credit score was also obtained and considered in our decision. A credit score is a numeric reflection of the information in a credit report and can change, depending on changes to information in a credit report. Scores range from a low of 100 to a high of 899. Please note that when there is insufficient data to generate a score an exception score can range from 9000 to 9999.

Credit Score: 0000

Score Date: 09/13/2016 10:54 AM

Credit Reporting Agencies
Please note: these agencies did not make the decision to not approve your BECU application and will not be able to provide information on that decision.

Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury,MN 55125

Telephone: 800-428-9623 (voice messaging system)
Fax: 972-241-4772
Web Address:

Trans Union
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022

Something to add: credit score on Trans Union via Credit Karma above 700, but 7 inquiries in the past 2 years. (4 car loans inquiries+ 1 T-Mobile+HSBC card+ Barclay card, and the first 5 were not made by me anyway)

I didn’t get a hard pull when i signed up a few years back. Though it could have changed…

This bank is awesome. And at 4% of 1k I just keep the 1k in there permanantly with a 1c direct deposit from my work payroll. Easy intrest.

Just got denied with the same message. It also had the following information right below the credit score number:

Key factors that adversely affect your score:
Key Factor 1: Debit Policy Rule Exclusion

WTF does that mean?

I should also note that I’ve opened… 16 bank accounts in the past 12 months. It seems odd that the 17th account would trigger the denial.


BECU only looks at Chexsystems, no hard pull. No credit card funding when I applied.

4% up to $1000 with the Member Advantage Checking and Savings, no fee accounts.

My referal code is: 1324777

I would really appreciate it. Thanks.

My referral code: 1636622

I use BECU for my main bank account, they are an easy CU to deal with and have decent rates (~4% on the first $500 in checking and the first $500 in savings).

They offer no fee accounts and you can get free checks! if you are a Wells Fargo user now is the perfect time to switch over!

Here is my code: 1110685

Thank you!

Used your code. My application is pending approval and I will let you know what I find.

BECU is a great CU and is very good at giving out the bonus hassle-free. Below is my referral, thx.

Do you love BECU? (Aw, we like you, too.) Recommend us to a friend, and you’ll each get $100 when they open Member Share savings and checking accounts and meet the active account requirement.*

Your mission, should you choose to accept it, is simple. Just forward this email.


[comment removed, please only post your referral once].

Hey all,

I love BECU. In fact you get like 5% interest on your first $500 in each checking and savings or something.. it’s not much, but $50 a year is $50! No fees ever. No hard pull, no CC funding.

UNIQUE REFERRAL CODE 1017226$100?utm_source=et&utm_medium=email&utm_campaign=100REF16

Great bank, only a Chexsystems inquiry to open.

[removed referral info, post it once only. If you post it again we will remove all of your comments]

Sorry, didnt think the first comment went through.

Would definitely recommend BECU. I would also very much appreciate if someone used my referral code!

$100 would be great for me, and it’s awesome you also get the $100.


I opened an account just fine online, but when I called with the referral code they asked for a first and last name as well. Could someone give me theirs with the referral code?
(I’m new to this site, so I’m not sure if leaving contact info here is allowed, otherwise I’d do that)

I’m also going to open my account this weekend. If I could have a full name and referral code sent to my email that’d be great.

Or do we have more data points on BECU won’t ask for the full name linked to a unique ref code? Thanks.



Thank you.


In case you need the name attached to the referral code, it’s Aaron Harmonson.

Hi Aaron, I’m about to open an account and wish to use your referral code. Please let me know if you’ve met the 5 referral limit. Thanks!

Just opened the account and called in with your referral code. Everything went smoothly. They did ask for a name. Thank you very much!

My limit has been met – thanks everyone.

Aaron Harmonson

My limit hasn’t been met – the above poster is an imposter.

Does anyone know where I can find my unique referral code?

It will be in your email.

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