For Expatriates Outside the U.S.

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 your 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 eligibility rules.

Checking & savings accounts

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

Checking accounts

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

Savings accounts

  • No Social Security number or ITIN required for Bechtel expatriates
  • Earn highly competitive dividends on our MarketEdge Money Market Savings accounts and share certificates (CDs)

Other services

Free or low-cost digital services

  • Access to Online Banking
  • Direct deposit
  • Internal account transfers
  • Electronic statements
  • Low-cost domestic and international wire/money transfers

Worldwide access to our network of ATMs

  • We belong to four ATM networks, so you have worldwide access to ATMs worldwide, surcharge free.
  • To search for shared ATMs in other countries, click here.


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

    Ready to become a member? Let’s get started.

    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.