Our convenient automated services can help put your finances on auto pilot!
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.
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.
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.
Loans by Phone or online via your personal computer
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.
Send funds electronically to another individual or financial institution via wire transfer.
You can submit a wire transfer request two ways:
- Visit your local Spectrum branch
- Log in to PC Access and click the "Transfers" tab, then the "Domestic Wire Transfer" or "International Wire Transfer" link
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.
Remote services around the world, around the clock
There are many ways to access your account around the clock.
PC Access Online Banking: Deposit paper checks using your scanner, pay bills, transfer funds, make loan payments, and more.
Mobile Banking: View account balances and transaction history, view and set up transfers, manage bill payments, and deposit paper checks using the camera on your iPhone, iPad, or Android. Download the free Mobile Banking app or type "mb.spectrumcu.org" into your mobile phone's web browser.
Text Message Banking: Send texts to retrieve account balances and transfer funds between accounts. To enroll, log in to the Mobile Banking app and select "Enroll in Text Message Banking."
85,000+ Surcharge-Free ATMs:
Look for the CO-OP, Allpoint, Alliance One, and MoneyPass logos. To find a nearby surcharge-free ATM, or use the ATM/Shared Branch Locator
7,200+ CO-OP Shared Branches:
Conduct transactions in the branches of other credit unions around the world. All you need is your Spectrum account number and a valid government-issued photo ID. To find a nearby location, search CO-OP Shared Branches in the ATM/Shared Branch Locator
Telephone Access: Check balances, review transactions, transfer funds, review loan information, and more. Call 800-782-8782 and follow the prompts.
24/7 Call Center: If you ever have questions, call us at 510-251-6000 or 800-782-8782.