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BCU Customer Service

Phone Number & Contact Info

BCU's Best Phone Number

800-388-7000
Toll-free·Calls Customer Service·Most popular BCU number
Q:

How do I talk to a live human at BCU?

A:Calling this BCU number should go right to a real human being
Q:

Does BCU offer 24 hour customer service?

A:Not at this number; hours here are Mon-Wed 8am-5pm EST. The least busy day is Wednesday, and the most busy day is Thursday.
Q:

How long will I wait on hold?

A:We don't expect that you will have to wait to talk to a person. This is a direct line. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this BCU phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Calling this BCU number should go right to a real human being
Below are some clips we've found from BCU's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may need the phone number on your account

"Your call is important to us. If you would like to skip the wait, our chat feature is available or you can stay on the line for an agent. Thank you for choosing VCU. Standard message and data rates apply. Our virtual assistant is unable to service the following requests.
ACH verification, outgoing wires, payments from other financial institutions, and Zelle access.
Press one to receive the text message to the number you are calling from now."
Excerpt from a call with BCU
Monday, February 5, 2024 10:14 PM

They may ask your reason for calling (instead of a menu)

"For a touch tone menu, press one.
I am happy to connect you to a representative.
Can in a few words tell me the reason for your call today so I can connect you to the correct person?"
Excerpt from a call with BCU
Wednesday, May 29, 2024 7:28 PM

They may ask you to enter information with the dial pad

"For a touch tone menu, press one. I think you want to speak to member relations. Is that correct? Please hold for the next available agent.
Please be aware, this call may be recorded for quality and training purposes.
Please enter your member number followed by pound."
Excerpt from a call with BCU
Monday, February 5, 2024 10:14 PM

They may ask you to say or enter information

"You can say things like, I want to apply for a loan or mortgage, or I have questions about a transaction on my account."
Excerpt from a call with BCU
Wednesday, May 29, 2024 7:28 PM
In fact, much of this information on this page is superfluous because this BCU phone number is a direct line to a human being. The line is well-staffed and you should anticipate a very short wait on hold or none whatsoever, as long as you are calling during business hours.
We don't know of any phone menus you would encounter when calling either.

What are the hours and when should I call?

BCU operates the call center for this 800-388-7000 phone number Mon-Wed 8am-5pm ET. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 405 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this BCU phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like BCU staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call BCU is Wednesday. The most busy day to call is Thursday. Again, this is based on a sample of 405 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Thursday. The longest wait in the queue on average occurs on Tuesday.

The best time to call BCU

In summation, the best day to call BCU is Wednesday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that BCU staffs the call center well on Wednesday.
Once again, please put this information in perspective because this phone number has no phone menu or long waits. It generally gets picked up right away if calling during their opening hours. If there is any way, it will typically be very short.

Why Customers Call BCU

If you have time to do a bit of reading before you call BCU, we recommend you read over some of our problem-specific articles.

What types of accounts does BCU offer?

BCU offers a wide range of accounts to suit various financial needs. These include checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). With BCU's checking accounts, members have access to features like online banking, mobile banking, and debit cards for convenient transactions. The savings accounts provide opportunities to grow funds while benefiting from competitive interest rates. Money market accounts are ideal for those seeking higher interest rates while maintaining access to funds. Additionally, BCU's CDs offer fixed interest rates for specific terms, enabling members to save for specific goals. Overall, BCU's account options cater to individuals looking for flexibility, growth, and stability in managing their finances.

What are the fees associated with BCU accounts and services?

BCU offers a range of accounts and services, each with its own fees. For our checking accounts, the monthly maintenance fee is $5, but it can be waived if certain criteria are met, such as maintaining a minimum balance or having direct deposits. There are no monthly fees for our savings accounts. Our loan and credit card services have separate fees depending on the specific product, such as origination fees or annual fees. BCU also provides other services like wire transfers and overdraft protection, which have associated fees as well. To get a detailed breakdown of all the fees, we recommend reviewing our fee schedule on our website or contacting our customer service representatives who will be happy to assist you.

What is the routing number for BCU?

The routing number for BCU, or Baxter Credit Union, is a unique 9-digit code that identifies the financial institution for various transactions, such as direct deposits, electronic payments, and wire transfers. BCU's routing number is 271992400. It is important to note that routing numbers may vary depending on the specific region or branch where the account was opened, so it is always recommended to verify the correct routing number with the official BCU website or by contacting their customer service. Providing the accurate routing number ensures that transactions are processed accurately and efficiently, avoiding any unnecessary delays or errors.

Top BCU customer service problems

Click the link above to get answers to just about any BCU customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.

Conclusion and closing notes

This is BCU's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a BCU agent. This phone number is BCU's best phone number because 2,430 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-388-7000 include and other customer service issues. Rather than trying to call BCU first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone. In total, BCU has 1 phone number. It's not always clear what is the best way to talk to BCU representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for BCU. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like BCU. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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