24/7 banking: PC Access Online Banking turns your personal computer into a virtual Spectrum branch!

Log in to PC Access from Spectrum home page.

  • Deposit paper checks from home
  • Pay your bills
  • Transfer funds between accounts
  • Make balance inquiries
  • Make a loan advance
  • Transfer funds to accounts at other financial institutions
  • Send money to anyone with a valid email address

Enrollment Instructions

To sign up for Online Banking for the first time:
  • Go to the home page at spectrumcu.org
  • In the Online Banking box, enter your Member Number in the Username space and your Social Security Number in Password space
  • Follow the prompts to create a new user name and password
  • Follow the prompts to request a one-time passcode to register your computer or mobile device
  • Input the one-time passcode when prompted
Note: To ensure that all Online Banking features function as designed, please use the most current version of your web browser and computer operating system.


Deposit a check from home. Log in to Online Banking and click on the "Additional Services" tab, then the "eDeposit" link. Scan in the front and back of your check (or upload check images) and print your receipt. Your deposit will typically be credited immediately.*

*Deposits may be delayed if made during periods of system maintenance.

Person-to-Person Transfer

Transfer funds to anyone in the U.S. with an email address or cell phone number. (Standard text message rates apply.) Log in to Online Banking and click on the Transfers tab, then the Transfer to/from Non-Spectrum Account link. Click on Send Payment to add a new recipient and transfer up to $1,000 per day, with a maximum of $3,000 per week.

Institution-to-Institution Transfer

Transfer funds between your Spectrum accounts and your accounts at other financial institutions. Log in to Online Banking and click on the Transfers tab, then the Transfer to/from Non-Spectrum Account link. Click on Setup New Account to enter your outside account information. Once your outside accounts are set up, click on Transfers to schedule the service.

Bill Payer & eBills

Pay and/or view a bill online. Log in to Online Banking and click the Bill Payer tab to pay your bills now, or schedule future bill payments.

You can use Bill Payer from any personal computer to authorize payment of virtually any bill.* Our third-party vendor will make your payments electronically (vendors who cannot accept electronic payments will continue to receive payments by check). 
To view all your bills in one place, sign up for eBills.

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 uses a third-party bill payment vendor. Our third-party vendor does not make payments to collection agencies, government agencies, or court ordered payments. Payments cannot be made to payees outside the United States.