Your security. Our priority.
At Spectrum Credit Union, we take protecting your financial and personal information seriously. We employ the latest security technology to help protect your online identity, with a commitment to keeping your confidential information, confidential.
When it comes to securing and protecting your information, we believe in a team-work approach, where Spectrum works with you for stronger, more robust protection.
Keep Your Software Updated
Always make sure your systems, software and browser on both your computer and mobile devices are running the latest versions. This stops hackers from finding any vulnerabilities in your system.
Use Antivirus Software
Install security software on all computers and mobile devices to protect your personal data against viruses and malware.
Practice Safe Password Management
Select strong passwords. Do not reuse the passwords or use the same password for multiple sites or devices. You can also install a password manager to keep track of all your passwords and log you securely into sites you visit often.
Prevent Identity Theft
When someone gains access to your personal information such as credit card numbers or your social security numbers, and uses them without your knowledge or consent, it can be time-consuming and stressful to sort through the damage. Spectrum's Instant
Protection is one of the safest ways to protect yourself from identity theft and help you restore your identity if the worst happens. Click here to find out more information about Instant Protection.
Our online and mobile banking platform uses a multilayered security structure to protect our applications and networks. This helps keep your information safe from hackers and identity thieves.
Spectrum's high-security protocols are amongst some of the strongest available. With our encryption tools, we ensure your online and mobile transactions are secured and prevent your data from being accessed by unauthorized parties.
Fraud can happen quickly, and often you won't even know until it's happened. Spectrum has a dedicated, in-house team that exclusively focuses on protecting and safeguarding your accounts, transactions, and data.
As part of our commitment to protecting our members and keeping them informed, our blog contains helpful information on how to safeguard your financial information.
Safeguarding Kids’ Identity and Online Privacy
What controls are used to prevent unauthorized access to my account?Online banking and mobile banking use multifactor to authenticate users at login.
How does Spectrum keep Online and Mobile Banking information (including login credentials) secure?Our Online and Mobile Banking platforms do not store any information in the user's device or the Web browser cache. All data is securely
transmitted to servers using Transport Layer Security (TLS).
Does Spectrum use challenge questions on the mobile channel?No. Answers to challenge questions can be discovered or guessed easily. Instead, we use one-time passcodes (OTPs) sent out via SMS or phone calls.
Should I install software to find and remotely wipe my mobile device?In the event your mobile device is lost or stolen, you should be able to remotely wipe your data to prevent unauthorized access. Install and configure an app that
will let you remotely locate and wipe your phone ( example: 'Find My iPhone' for iOS devices).
More Mobile Security FAQs
These links will take you to the Cybersecurity and Infrastructure Security Agency (CISA) website. Protecting Your PrivacyAvoiding Social Engineering and
Phishing AttacksPreventing and Responding to Identity TheftChoosing and Protecting PasswordsProtecting Against Ransomware
Overview of Security PracticesApplication Vulnerability Assessment ProcessCookies and Tracking in Digital BankingCredential Stuffing and Brute Force Login AttacksDoS and DDoS AttacksThreat Intelligence ProgramIncident ManagementResponse to Cybersecurity Threats
We're here and ready to help you, day or night.
Spectrum Email Form*
*If you are a Spectrum member and need to send or receive sensitive account information, please log in to Online Banking or Mobile Banking and transmit your message via Secure Email.
ATM/Debit Card - send us a Secure Email from Online Banking or Mobile Banking, or call us:
If you are traveling, set a Travel Notification online or by calling Spectrum at 800-782-8782, so you'll be able to use your credit and debit cards seamlessly as you travel.
Change your password or PIN online anytime by logging in to Online Banking.
If you believe you have been a victim of fraud and you want us to temporarily suspend your account, call us at 800-782-8782.
Facing Financial Hardships? We Can Help.
You are now leaving Spectrum Credit Union's website and going to a website that is not operated by the Credit Union. Spectrum Credit Union is not responsible for the content or availability of linked sites.
Please be advised that Spectrum Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the Credit Union.