If you do not have a Spectrum Credit Union (Spectrum) branch nearby — or if you just love the convenience of electronic banking — our Online and Mobile Banking services are easy ways to access your accounts at any time free of charge!
24/7 banking: PC Access Online Banking turns your personal computer into a virtual Spectrum branch! Log in to PC Access from Spectrum's home page.
Deposit a check from home. Log in to PC Access and click on eDeposit. Scan in the front and back of your check (or upload check images) and print your receipt. Your deposit will typically be credited immediately.*
Click here for a list of eDeposit Frequently Asked Questions (FAQs).
* Deposits may be delayed if made during periods of system maintenance.
Transfer funds to anyone in the U.S. with an email address or cell phone number. (Standard text message rates apply.) Log in to PC Access and click on Transfer to/from Non-Spectrum Accounts. Click on Send Payment to add a new recipient and transfer up to $250 per day.
Transfer funds between your Spectrum accounts and your accounts at other financial institutions. Log in to PC Access and click on Transfer to/from Non-Spectrum Accounts. Click on Setup New Account to enter your outside account information. Once your outside accounts are set up, click on Transfers to schedule the service.
Transfer funds between your Spectrum accounts and your accounts at other financial institutions. Log in to PC Access and click on Transfer to/from Non-SCU Accounts. Click on Setup New Account to enter your outside account information. Once your outside accounts are set up, click on Transfers to schedule the service.
Pay and/or view a bill online. Log in to PC Access and click on Bill Payer to pay your bills now, or schedule future bill payments.
You can use Bill Payer from any personal computer to authorize payment of virtually any bill.* Our third-party vendor will make your payments electronically (vendors who cannot accept electronic payments will continue to receive payments by check).
To view all your bills in one place, sign up for eBills.
IMPORTANT: Instead of just your member number, you must use your 14-digit Spectrum account number (found in MICR line of your Spectrum check) to authorize electronic debits or credits to your account. Please click here to find out how to establish your 14-digit Spectrum account number.
*Spectrum uses athird-party bill payment vendor. Our third-pary vendor does not make payments to collection agencies, government agencies, or court ordered payments. Payments cannot be made to payees outside the United States.
Banking on the go. You can view account balances and transaction history, view and set up transfers, and manage bill payments from your phone.
There are several ways to access this FREE service.
To use the Mobile Deposit service, download the Spectrum Mobile Banking iPhone or Android app from the App Store. When you open the App, hit “Deposit Checks,” then select the account you want to deposit the check into and enter the check amount.
Take a photo of the front of the check, then the back of the check, and hit “Submit.” You can choose to receive an email confirmation of your deposit.
Mobile Deposits made before 3 p.m. Pacific Time on a regular business day will be credited to your account after 3:30 p.m. Pacific Time that day. Otherwise, your deposit will be credited to your account after 3:30 p.m. Pacific Time the next business day.
To sign up for text message banking, log in to PC Access and click on Additional Services then on Notifications.
Send text messages to 454545:
Please click here for a guide to Text Message Banking.
* Funds will be transferred to the Primary Account used for Text Message Banking from an account you pre-set using PC Access.