Spectrum offers a variety of account services to make managing your finances easier.

 


Digital Banking

Spectrum's free Online Banking and Mobile Banking services put your branch at your fingertips.

 

Core Features:

  • Deposit checks
  • View transactions
  • Check account balances
  • Pay bills
  • Transfer between accounts
  • View your FICO® Score
  • Send a Secure Email for assistance

 

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Direct Deposit 

Direct Deposit puts an end to the payday runaround. Each payday your entire paycheck, less your usual deductions, will be sent electronically to Spectrum when you choose to have your paycheck electronically deposited to your Spectrum Checking or Savings account. Direct Deposit lets you begin earning dividends as quickly as possible. Sign up today.

IMPORTANT: Instead of just your member number, you must use your 14-digit Spectrum account number (found in the MICR line of your Spectrum check) to authorize electronic debits or credits to your account. Please click here to find out how to establish your 14-digit Spectrum account number.
 


Automatic Payments

Spectrum can make fixed automatic payments on your behalf at no charge. Use this service to make fixed payments on the day(s) you wish to any or all of your Spectrum loan or savings accounts. The timeliness of your payment is our responsibility.

Important: Instead of just your member number, you must use your 14-digit Spectrum account number (found in the MICR line of your Spectrum check) to authorize electronic debits or credits to your account. Please click here to find out how to establish your 14-digit Spectrum account number.
 


Payroll Deduction Service

With payroll deduction, you can arrange to have funds deducted automatically from your paycheck to make loan payments or deposits to your Spectrum accounts - all at no charge.
 


Overdraft Protection

Avoid the cost and hassle of returned checks with FREE overdraft protection. Funds will be transferred automatically from your Member Savings account, unsecured line of credit, or credit card to prevent overdrafts.
 


Online Loan Applications and Loans by Phone

Need a loan but don't have time to visit a Spectrum branch? Apply online or call toll-free at 800-782-8782 and choose the "Loan by Phone" option. Have your Spectrum member number, Social Security number, and income information ready. We'll ask a few questions, and a loan officer will call you the next business day with a decision.
 


Wire Transfers

Send funds electronically to another individual or financial institution via wire transfer.
 

You can submit a wire transfer request two ways:


There is a $20 fee for domestic wires (U.S.) and a $30 fee for foreign wires (outside U.S.). We do not charge a fee for incoming wires.

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