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You need a banking partner who moves with you, not against you.

From paying bills online to sending memes to the group text, more and more of our lives are happening digitally. Spectrum Credit Union provides a range of digital banking services that allow you to bank how you want, when you want. 

With a multi-layered security structure, sophisticated encryption tools, and multi-factor authentication, our Online and Mobile Banking platforms are as safe as they get. So you can bank confidently knowing your digital transactions are secure.

Digital banking services we offer:

  • eDeposit checks
  • View transactions and balances
  • Pay bills
  • Transfer between accounts
  • Schedule recurring transfers
  • Freeze, set daily limits on, or order replacement ATM/debit cards
  • Manage alerts
  • View your FICO® Score
  • Take advantage of Purchase Rewards
  • Access Money Management and TurboTax® programs
  • Send a Secure Email for assistance

Explore our most popular features

eDeposit checks: No need to visit the ATM. You can deposit your checks electronically from the comfort of home. Be sure to sign the back of your check with write “For Mobile Deposit” beneath your signature.

  • Online Banking: Take photos of the front and back of your check, upload them to your computer, and click Check Deposit under Move Money.
  • Mobile Banking: Tap the Check Deposit option in the menu. Select an account, and enter your deposit amount. Take photos of the front and back of your check.

We recommend that you keep the original check in a secure place for 90 days before you write VOID on it or alter it in any way.

Sign up for eStatements
Monitor your transactions and balances on the go.

  • Log in to Online Banking
  • Click on eStatements under Manage Your Finances
  • Enter your information and accept the terms

Open additional accounts
Skip the trip to your local branch, unless you feel like saying hello to our customer service representatives. Opening news accounts online is simple!

  • Log in to Online Banking
  • Click on Share Certificate (CD) under Add New Accounts and select Certificate

Create your account

Online Banking

  • Go to Online Banking
  • Click Create your online account today!
  • Follow the prompts

Mobile Banking

  • Download our Mobile Banking app, Spectrum Credit Union Mobile*
  • Select “Sign Up”
  • Enter your Member Number in the top space and your Social Security number in the bottom space
  • Follow the prompts

Locating your Member Number

For many members, your Member Number consists of the last whole number in the sequence. If you became a part of the Credit Union through a merger, your Member Number may start with two whole numbers followed by two zeroes and more whole numbers.

Online Banking

  1. Log into Online Banking and click on the eStatement section. (If you have not yet signed up for eStatements, you will need to confirm your email address and agree to the terms first.) Your Member Number is in the left-hand column labeled Account Number. 

  2. You can also find your Member Number in Online Banking by selecting your Primary Share Savings and then selecting Account Details. Once you click on Account Details, you will see your Member Number on the MICR line. 

By phone

If you have not yet created your Online Banking account and you do not know your Member Number, give us a call at 800-782-8782. For those outside the U.S., please call 510-251-6000.

* Available on the App Store and Google Play.

Android™, Google Play, and the Google Play logo are trademarks of Google, Inc.

iPad®, iPhone®, Apple Watch®, Apple and the Apple logo are registered trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc., registered in the U.S. and other countries.

FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.


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.