Money Moving Tips

On the go


When you’re on the go and need cash, you can use your ATM card or debit card to get cash surcharge-free from any Spectrum Credit Union-owned ATM or from one of thousands of network ATMs. 
We belong to the CO-OP ATM, Alliance One, Allpoint, and MoneyPass ATM networks, so keep an eye out for machines with any of these logos:
You can also find network ATMs using our ATM & Branch Finder or our Mobile Banking app.
Our current ATM daily limit is $1,000, but is subject to adjustment.
Good news! Up to eight withdrawals per card per month are allowed at network machines not owned by Spectrum Credit Union. If you exceed that amount during a month, we will charge a nominal fee of $1 for each additional withdrawal at non-Spectrum Credit Union ATMs that month. 
If your ATM card is linked to a checking account, you can use it to make purchases at retail locations with point-of-sale terminals, but the card does not have a chip and is less secure than a debit card. We recommend that ATM cards only be used at ATMs.
If you expect to be making regular purchases at point-of-sale terminals, or if you will be shopping online, we recommend that you replace your ATM card with a debit card. It’s more flexible and more secure for making purchases. Learn more about the many benefits of having a debit card.
Our daily limit for point-of-sale purchases is currently $2,500.

At home

Check deposits

Mobile Banking provides a convenient way to deposit checks without leaving the comfort of your home. Maximum electronic deposit limits are set based on your transaction history with Spectrum Credit Union. 

To find your maximum electronic deposit amount, open Mobile Banking, select Check Deposit, and tap the Amount box. 

Be sure to sign the back of your check and write "For Mobile Deposit" under your signature, then tap Check Deposit to get started.

Transfers to institutions

Online Banking and Mobile Banking allow you to easily transfer money between your Spectrum Credit Union accounts and your accounts at other financial institutions. You can also set up automatic transfers.

In Online Banking, hover over the Move Money tab to find your transfer options. In Mobile Banking, tap the Transfers menu to make transfers between Spectrum Credit Union accounts or tap More and then External Transfers to transfer funds to another financial institution.

Transfers to individuals

If you go to the Move Money tab in Online Banking or the Transfers option in Mobile Banking, you can also transfer funds to the Spectrum Credit Union accounts of your friends and family. 

To transfer money to non-members in Online Banking, hover over the Move Money tab and select Transfer to/from External Accounts. In Mobile Banking, tap on the More menu and then select External Transfers.


 Online BankingMobile Banking
Between another of your Credit Union accounts
Move Money - Transfer Between SCU AccountsTransfers
To a fellow Credit Union member's accountMove Money - Transfer to Another MemberTransfers
To your account at another financial institutionMove Money - Transfer to/from External AccountsMore - External Transfers
To a non-Credit Union memberMove Money - Transfer to/from External AccountsMore - External Transfers

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