Great Rates. Personal Service
In the United States
Outside the United States

Outside the United States

Expatriate Program

Spectrum Credit Union (Spectrum) offers foreign nationals working outside of the U.S. a range of financial products and services. Many of our services are available without a Social Security Number or ITIN (Individual Taxpayer Identification Number).

Click here to access Spectrum Membership Application for Bechtel Expatriates.

Membership Benefits

Foreign nationals working for Bechtel Corporation outside of the U.S. may apply for membership in Spectrum and have access to select products and services.

To open accounts with Spectrum, you will need:

  • A copy of your passport
  • A copy of the front and back of your Bechtel badge and/or a copy of your Recital Letter
  • Spectrum Membership Application and Agreement
  • IRS form W-8 BEN
  • BSA form questionnaire
  • A minimum $25 opening deposit ($50 for joint accounts)

Click here for instructions on how to complete IRS form W-8 BEN.

Please be advised that the Spectrum membership application must be signed in ink and cannot be submitted by fax or email. Spectrum will only accept original applications. If you are mailing your membership packet from overseas, we recommend that you send it by trackable courier service.

Supplementary restrictions apply for foreign memberships and may supersede Spectrum field-of-membership rules.

Deposit Programs

Spectrum offers FREE Checking and Savings accounts to meet the needs of Bechtel Expatriates working outside of the U.S.

FREE CHECKING ACCOUNTS

  • No Social Security Number or ITIN required for Bechtel Expatriates
  • FREE ATM/Debit Card, box of checks, and online check images
  • UNLIMITED check writing abilities

FREE SAVINGS ACCOUNTS

  • No Social Security Number or ITIN required for Bechtel Expatriates
  • Earn highly competitive dividends on our MarketEdge (money market) accounts and share certificates (CDs)

Other Services

ELECTRONIC SERVICES

  • FREE PC Access Online Banking
  • FREE Direct Deposit
  • FREE Internal Account Transfers
  • FREE Electronic Statements
  • Low-Cost Domestic and International Wire/Money Transfers

WORLDWIDE SHARED BRANCH BANKING

  • More than 6,600 CU Services Centers networked worldwide
  • Conduct a range of transactions as if you were in a Spectrum branch.

Click here to search for CU Service Centers in other countries.

Questions?

For more information on Spectrum and our expatriate services, please email us or call us at 510-251-6000 or 800-782-8782.