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BECU fraud reporting routes

Member, business, debit-card, credit-card, and ACH fraud routing.

Last checkedAug 5, 2026Official website
This independent directory is not affiliated with BECU. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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BECU Member Contact Center

1-800-233-2328

Call during business hours for member-account fraud.

Call official number
Source: BECU - How to Report Fraud

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7
  • Affected transaction details

    Collect transaction date, amount, channel, and status; mask account numbers.

    Recommended by official source
  • When did it happen?

    Record exact or estimated date and time.

    Recommended by official source
  • How did you discover the problem?

    Capture the factual discovery method without speculation.

    Recommended by official source
  • Account holder name

    Collect in secured workspace.

    Required for written notice
  • Best contact information

    Collect phone/email used for bank follow-up.

    Required for written notice
  • What is wrong with the transaction?

    Collect a factual description of the unauthorized use or error.

    Required for written notice
  • Disputed amount

    Collect amount and currency.

    Required for written notice
Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7
  • Records of fraudulent transactions

    Preserve statements, transaction details, checks, receipts, and claim records related to the fraud.

    Keep originals and working copies
  • Fraud-related communications

    Preserve letters, emails, messages, and notices exchanged with institutions or suspected actors.

    Keep original and export copy
  • Names, dates, and details of contacts

    Record every contact, date/time, person or department, channel, reference number, and promised next step.

    Structured record
  • Written follow-up letters or emails

    Keep copies of all written follow-up and delivery or submission confirmation.

    Copy acceptable
  • Canceled checks

    Preserve originals; store copy/reference in FraudPrep.

    Keep original
  • Receipts

    Preserve originals for payment/report records.

    Keep original
  • Wire receipts

    Preserve wire transfer receipts and confirmation numbers.

    Keep original
Time-sensitive notesOfficially published windows or availability conditions1
Unauthorized ACH dispute channel

ACH disputes are not supported through BECU Messenger

Call BECU using the official member contact instead of sending a Messenger request.

Other official reporting routesAgencies that may apply depending on the facts11
FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.
FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.
CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.
USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.
U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.
Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.
FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.
Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.
NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.
IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.
SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.
Official sources and verificationEvery public route links back to an independently checked official source2
BECU - How to Report FraudMember, business and card fraud contacts · Verified in browserBECU Account FraudMember-contact hours · Verified in browser

Other verified routes for BECU

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