Posted by William Charles on October 2, 2018
Bank Account Bonuses

Published on October 2nd, 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 December 31st, 2018

The Offer

Direct link to offer

  • Receive a sign up bonus of $100 when you open a new checking account using a friends referral code online or in branch (friend will also receive $100 bonus, they can refer a maximum of five people). You must also complete the following requirements:
    • Use promotional code 100REF18
    • Call 206-439-5700 within seven days and provide them with your friends unique referral code
    • Have an active account within 60 days of account opening, an active account is defined as:
      • Have five or more qualifying transactions (buy something with debit card or withdraw cash from ATM, write a check or electronic check, make payments using bill pay and more that aren’t specified) OR
      • Deposit $500+ in a rolling month
  • Their  member advantage checking & savings accounts also earn 4.07% APY on balances up to $500.

The Fine Print

  • $100 Referred Member Incentive.
  • Visit any BECU location and bring promo code 100REF18 and the unique referral code of referrer with you.
  • Referring members must be 18 years and older and a primary on a Member Share/Member Advantage savings account.
  • Referred member may not be an existing member and must be age 18 and older. Must be eligible to establish membership with a Member Share Savings or Member Advantage Savings Account.
  • New member must maintain a Member Share Savings/Member Advantage Savings Account and open a checking account using the unique referral and promo codes and meet the utilization requirements.
  • Accounts must remain open for 60 days or more.
  • BECU reserves the right to terminate this offer at any time.
  • Other terms, limitations and conditions may apply.
  • Check with BECU for current Annual Percentage Yield (APY) of accounts.
  • New member and referring member will  receive the $100 bonus deposit to the Member Share/Member Advantage savings account within 60 days of opening qualifying accounts and meeting the utilization requirements and will be reported for the new member as interest income to the IRS on IRS Form 1099-INT at year-end and may be reported to the IRS on form 1099-MISC for the referring member.
  • Limited to the first five qualifying members referred.
  • This offer cannot be combined with other offers.
  • BECU is not required to pay the promotional incentive for accounts opened without the appropriate Promo Code and Referral Code.
  • BECU reserves the right to terminate this offer at any time. Employees are not eligible to refer and/or receive and incentive. Joint Account holders are not eligible to refer.
  • Business, Fiduciary, Zero-Dividend, HSA, and Early Savers Accounts are not eligible to refer and/or receive an incentive.
  • Offer limit of 5 qualified referrals per member or bonus deposits totaling no more than $500.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Their member advantage and regular checking accounts both come with no monthly fee, you’re probably better off with the member advantage checking account as this earns 4.07% APY on balances up to $500. As far as I could see there was no early account termination fee in their fee schedule.

Referral Codes

Feel free to share your referral codes in the comments, make sure you also share any other information you have (e.g soft/hard pull and credit card funding) so that this post is of more use to readers. You can also refer a maximum of 5 people, so if you use somebodies referral code then let them know in the comments.

Our Verdict

This is a pretty good bonus, it’s pretty easy to meet the bonus requirements and it’s also easy to keep the account fee free. Only downside is that you can’t fund with  a credit card. Deal is even better if you can get a friend to refer you and split the referral money. We’ve added this to our list of the best checking promos.  Please share any experiences you have and your referral code if you have one in the comments below.

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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.

My application was accepted so you should have your $100 coming your way in about 45 days. If anyone wants to use mine it is: 2453252

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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