Your security. Our priority. 

At Spectrum Credit Union, we take protecting your financial and personal information seriously. We employ the latest security technology to help protect your online identity, with a commitment to keeping your confidential information, confidential.

When it comes to securing and protecting your information, we believe in a team-work approach, where Spectrum works with you for stronger, more robust protection.

 

How You Can Protect your Information


Keep Your Software Updated

Always make sure your systems, software and browser on both your PC and mobile devices are running the latest versions. This stops hackers from finding any vulnerabilities in your system.

Use Antivirus Software

Install security software on all computers and mobile devices to protect your personal data against viruses and malware.

Practice Safe Password Management

Select strong passwords. Do not reuse the passwords or use the same password for multiple sites or devices. You can also install a password manager to keep track of all your passwords and log you securely into sites you visit often.

Prevent Identity Theft

When someone gains access to your personal information such as credit card numbers or your social security numbers, and uses them without your knowledge or consent, it can be time-consuming and stressful to sort through the damage. Spectrum's Instant Protection is one of the safest ways to protect yourself from identity theft and help you restore your identity if the worst happens. Click here to find out more information about Instant Protection.

 

How Spectrum Protects Your Information


Multi-Layered Security

Our online and mobile banking platform uses a multilayered security structure to protect our applications and networks. This helps keep your information safe from hackers and identity thieves.

Encryption

Spectrum's high-security protocols are amongst some of the strongest available. With our encryption tools, we ensure your online and mobile transactions are secured and prevent your data from being accessed by unauthorized parties.

Fraud Monitoring

Fraud can happen quickly, and often you won't even know until it's happened. Spectrum has a dedicated, in-house team that exclusively focuses on protecting and safeguarding your accounts, transactions, and data.

Ongoing Education

As part of our commitment to protecting our members and keeping them informed, our newsletter contains helpful information on how to safeguard your financial information. Click newsletters for more information.

 

Frequently Asked Questions


What controls are used to prevent unauthorized access to my account?

Online banking and mobile banking use multifactor to authenticate users at login.

How does Spectrum keep Online and Mobile Banking information (including login credentials) secure?
Our Online and Mobile Banking platforms do not store any information in the user's device or the Web browser cache. All data is securely transmitted to servers using Transport Layer Security (TLS).

Does Spectrum use challenge questions on the mobile channel?
No. Answers to challenge questions can be discovered or guessed easily. Instead, we use one-time passcodes (OTPs) sent out via SMS or phone calls.

Should I install software to find and remotely wipe my mobile device?
In the event your mobile device is lost or stolen, you should be able to remotely wipe your data to prevent unauthorized access. Install and configure an app that will let you remotely locate and wipe your phone ( example: 'Find My iPhone' for iOS devices).

 

More Mobile Security FAQs

 

Need Help Now?

We're here and ready to help you, day or night.


Call: 800-782-8782

Spectrum Email Form*


*If you are a Spectrum member and need to send or receive sensitive account information, please log in to Online Banking or Mobile Banking and transmit your message via Secure Email.


Report Lost or Stolen Card


Credit Card
 

  • Report a lost/stolen credit card: 866-633-9958
  • Report a lost/stolen credit card outside the U.S.: 701-461-1878 (collect call)


ATM/Debit Card
- send us a Secure Email from Online Banking or Mobile Banking, or call us:

  • Report a lost/stolen ATM/debit card: 866-782-8782, Select Option 2
  • Report a lost/stolen ATM/debit card outside the U.S.: 212-444-0986


Traveling Abroad

If you are traveling, set a Travel Notification online or by calling Spectrum at 800-782-8782, so you'll be able to use your credit and debit cards seamlessly as you travel.


Change Password or PIN

Change your password or PIN online anytime by logging in to Online Banking.


Suspend Account

If you believe you have been a victim of fraud and you want us to temporarily suspend your account, call us at 800-782-8782.

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