For Expatriates in the U.S.

Foreign Nationals who will be working for Bechtel in the U.S. may apply for Spectrum Credit Union membership prior to arrival in the U.S., or at any time after arriving.

Download a summary of the program. 

Please have the following items when opening an account:

  • A copy of your passport
  • A copy of the front and back of your Bechtel badge and/or a copy of your Letter of Assignment or Letter of Introduction
  • A completed Spectrum Credit Union membership application and agreement
  • IRS form W-8 BEN
  • BSA form questionnaire
  • A minimum $25 opening deposit ($50 for joint accounts)
For instructions on completing IRS form W-8 BEN, click here.

Please note that Spectrum Credit Union will only accept the original copy of your membership application. Your membership application must be signed in ink and cannot be submitted by fax or email. If you are mailing your membership packet from overseas, please be sure to send it through a reliable courier service.

Supplementary restrictions apply for foreign memberships and may supersede Spectrum Credit Union’s membership eligibility rules.

Checking & savings accounts

We offer free checking and savings accounts for Bechtel expatriates working in the U.S.

Checking account

  • No Social Security number or ITIN required for Bechtel expatriates
  • Free ATM/debit card, box of checks, and online check images
  • Unlimited check writing abilities
  • No minimum balance required

Savings accounts

  • No Social Security number or ITIN required for Bechtel expatriates
  • Earn highly competitive dividends on our MarketEdge Money Market Savings accounts

Applications accepted prior to arrival in the U.S.

Foreign Nationals coming to work for Bechtel in the U.S. may apply for the following loans through Spectrum Credit Union during the six months prior to arriving in the U.S.

Spectrum Credit Union loan products can be approved before you arrive in the U.S., and repayment can begin prior to arrival to establish U.S. credit. (Credit records can only be established for those members with an ITIN or Social Security number.)

Expatriates can not have more than $5,000 in unsecured debt.

Unsecured line of credit (LOC)

  • A revolving line of credit you can access whenever you need it
  • Transfer funds to your checking account to pay upfront relocation expenses

Personal loan

  • Issued as one loan (instead of as a revolving line of credit)
  • Personal loans can be used to make large, one-time purchases and have a fixed rate, which can be paid over the term of your assignment

If you have any questions about the loan application process, please give us a call at 800-782-8782. For those outside the U.S., call 510-251-6000.

Other services

Free or low-cost digital banking services

  • Online Banking
  • Direct deposit
  • Internal account transfers
  • Electronic statements and account notices
  • Domestic bill payer service
  • Low-cost domestic and international wire/money transfers

Financial education

We can provide one-on-one counseling regarding U.S. banking systems and financial services. Click here to learn more. 

Liberty Mutual auto & home insurance*

  • Liberty Mutual will credit expatriates for non-U.S. driving experience, thereby avoiding the high rates often charged to new U.S. drivers
  • Expatriate must provide a valid U.S. driver’s license and a letter, in English, from his/her previous insurance company (in the home country) stating a clean driving record for the past three years, as well as the total number of years of driving experience
  • Pay your premium automatically with a monthly deduction from your Spectrum Credit Union accounts

For a free quote from Liberty Mutual, please call Dave Fabucci at 800-439-0455, extension 58339.


For more information on Spectrum Credit Union and our expatriate services, please speak with your Assignee Counselor, visit your local Spectrum Credit Union branch, email us, or give us a call at 800-782-8782. For those outside the U.S., call 510-251-6000.

* Not available in Texas.

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If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.