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
Online Banking and Mobile Banking provide a convenient way to deposit checks without leaving the comfort of your home. Be sure to sign the back of your check and write "For Mobile Deposit" under your signature, then click or tap Checks to get started.

Maximum electronic deposit limits are set based on your transaction history with Spectrum Credit Union. To find your maximum electronic deposit amount, log in to Online Banking, click Checks, and look beside the Check Amount box. 

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 or Mobile Banking, click or tap Pay/Transfer to find your transfer options. Add your external accounts by selecting Manage Recipients.

Transfers to individuals
If you go to the Pay/Transfer tab in Online Banking or Mobile Banking, you can also transfer funds to the Spectrum Credit Union accounts of your friends and family. Select Manage Recipients to add their accounts.

To transfer money to non-members in Online Banking or Mobile Banking, click or tap Pay/Transfer and select Pay by Zelle®

 Online Banking
Between your Credit Union accountsPay/Transfer – Make Transfer
To a fellow Credit Union member's accountPay/Transfer – Make Transfer (after adding Recipient)
To your account at another financial institutionPay/Transfer – Make Transfer (after adding Recipient)
To a non-Credit Union memberPay/Transfer – Pay by Zelle®



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