Thank you for your patience as we have been working to resolve many issues.
We now have expanded FAQs in the following categories to help showcase the features of the new system:
We appreciate all of the feedback that members have provided and are working to resolve all remaining issues.
With the launch of our new Digital Banking experience on December 6, your existing login credentials will no longer be active. You will need to select the enroll now button on the Digital Banking login page and re-establish your User ID and Password.
To visit the page directly, click the blue Login button at the top of any of the Spectrum Credit Union pages. If you have more than one person on your membership, each of you will need separate log in credentials.
Q. If I am already using Digital Banking, why do I have to set up a new User ID and password?
A. Because the new Digital Banking is individual-based rather than membership-based, all users need to set up a User ID and password for the new experience. Existing login credentials are no longer active. If you have more than one person on your membership, each of you will need separate login credentials.
Q. How do I sign up or re-enroll in the new Digital Banking?
A. To sign up as a new user or re-enroll as an existing member, follow these instructions.
Option 1: Online Banking
Option 2: Mobile Banking
Q. If I’m an existing user, can I set up the same User ID that I had before?
A. Each member must set up a unique User ID. If your old User ID is available, you can use it again.
Q. Can I choose how I receive my identity verification passcodes?
A. Yes. To select your preferred method of receiving identity verification passcodes, click on More in the navigation, then select User ID and Password followed by One-Time Passcode (OTP).
Q. Why am I seeing multiple Memberships when I log in to the new Digital Banking?
A. A benefit of the new Digital Banking experience is that you can view all of the Memberships you are authorized to perform transactions on using only one User ID and Password.
Q. Can other people view my Memberships in Digital Banking?
A. Each member has the ability to view the Memberships they are authorized to perform transactions on (as a Primary Member, Joint Member, or Trustee, for example). If someone is not authorized to view your Memberships, they do not see them.
Q. I can see the Memberships that my minor children are on. Can they see mine?
A. Your minor children will only see the Memberships that they are an authorized signer on.
Q. I am seeing my adult children’s Memberships. How do I stop seeing those?
A. If you no longer want to be on a Membership with your adult child, we can remove you. Please send us a Secure Email from within Online Banking or Mobile Banking so we can assist in the removal process.
If you want to remain on the Membership but hide it within your Digital Banking experience, see below.
Q. How do I hide Memberships I do not want to see in Digital Banking?
A. A great feature of our new Digital Banking experience is that it allows you to view all of your Memberships on the Overview Page. However, if there are Memberships you do not want to view on the Overview Page, you have the option to hide them.
Q. How do I see account transactions older than six months?
A. To view older account transactions, click on the “Show transactions from” menu and select “Custom filter.” Use the calendar feature to select the date range you would like to view (do not type the dates in). Account transaction history is available for the past 18 months.
Q. What devices are supported by the new digital banking platform? Do I need to have the latest version/update?
A. It is always best to have the latest version of your preferred browser and devices operating system. Please be aware that Internet Explorer is no longer supported by Microsoft.
Q. If I have another person on my membership, can we still share the same email and phone number on file?
A.Yes. You must each have a separate User ID for Digital Banking, but you can still share email addresses and phone numbers. To use Zelle®️, however, an email address or phone number can only be associated with
one person at a time.
Q. Where can I view my Bill Pay, Wire, or Zelle® recipients?
A. Please note that recipients are added to each service separately. To view recipients, first click on the Pay by Bill Pay, Pay by Wire, or Pay by Zelle® option. Note that recipients for each service are also separate from recipients set up for transfers.
Q. How do I view or manage my Billers (payees) in Bill Pay?
A. Bill Pay Billers (payees) were automatically imported from our previous Bill Pay experience. To view or manage your Billers in Bill Pay, first select the associated Membership. If you have multiple Memberships, you will need to select the Membership that was previously used to pay that Biller.
Q. How do I only see my active Billers (payees) in Bill Pay?
A. The new Bill Pay gives you the ability to create groups of Billers. You can create groups such as active Billers and non-active Billers and then select the group you wish to view or manage.
Q. Why do some of my Bill Pay Billers receive checks now instead of electronic payments?
A. These payments have likely defaulted to paper delivery due to out-of-date information previously provided for the Biller(s). To correct this, we recommend that you delete the Billers and add them back in as new Billers, using information from your
most recent bill.
Q. How can I tell if my payment is sent electronically or by check?
A. When viewing your Billers or your Bill Pay Activity, look for the word “Electronic” or “Check” under the Biller’s name and account number.
Q. How do I check the status of my payment?
A. Payment details, including Status, can be seen by clicking on the arrow in the bottom right corner of each payment on the Activity tab. You can also set up text or email alerts concerning payment delivery.
Q. How long does it take for my Bill Pay payment to be debited from my account?
A. Your account will not be debited until the payment is complete. Payments sent electronically typically take one to two business days to process. Payments sent as a check will be debited from your account when the Biller cashes the check, which often takes five to seven business days.
Q. Were my Wire recipients automatically brought over to the new Digital Banking?
A. For your convenience, we imported your previous Wire transfer recipients to the recipient list in the new Digital Banking. To view recipients, click Pay by Wire and then Wire Recipients. If you do not see a particular recipient, please set them up as a new Wire recipient.
Q. How do I set up new Wire recipients?
A. In our new Wire platform, the first step is to select a stored recipient or enter new recipient information. To add a new Wire recipient, start by selecting Send to New Recipient and complete the information (including whether the recipient will receive domestic or international wires).
Q. How do I designate if a Wire is domestic or international?
A. With the new Wire process, you designate whether each recipient will receive a domestic or international wire when you add that recipient to your wire recipient list.
Q. Can I use Zelle® if I am currently living outside of the U.S.?
A. We are working with Zelle® to provide access to members who are currently living abroad if they meet certain criteria. We hope to have an update in early 2022.
Q. How do I schedule a one-time or recurring transfer?
A. To schedule a one-time or recurring Transfer, please click Make Transfer. Click on your source account, then click the box(es) next to your desired recipient(s). You can opt to make the transfer recurring when you set it up.
Q. Do I need to add all of my transfer recipients to the new Digital Banking?
A. All of your transfer recipients should have been automatically imported from the old system during the conversion process. If for some reason you are not able to view your previous recipients, please click Manage Recipients under the Transfer section to add them back in.
Q. Where do I view and manage my transfer recipients?
A. Please click Manage Recipients under Transfer to view or add new recipient accounts, including your accounts at outside financial institutions.
Q. How do I view my scheduled transfers?
A. To view your scheduled transfers, first click on Scheduled Transfers, then select the Transfer Type and associated Membership. Once the selection is made, all scheduled transfers associated with that Membership will be listed. To edit or delete scheduled transfers, click on the scheduled transfer you wish to edit/delete and follow the prompts.
Q. What will you do to verify my identity in the new Digital Banking experience?
A. We will use passcodes to verify your identity during enrollment in the new Digital Banking and when you initiate potentially high-risk transactions within the new Digital Banking experience. These passcodes will be sent you via email or text (per your selection) and WILL NOT include any links.
Q. What things will you NOT do that I should be aware of?
A. We will not do the following:
Q. What should I do if I get a suspicious communication?
A. If something seems suspicious:
Q. Where can I find more security tips?
A. You can find more security tips on our Security Center web page.
Q. I am not able to connect my Credit Union accounts to my Personal Finance app or program. How do I fix that?
A. Some outside apps and programs have not yet updated their connection to our new Digital Banking experience. We are working to correct this issue with each vendor as quickly as possible.
Q. How do I reconnect my Credit Union accounts with Quicken?
A. You will need to establish a new connection from within Quicken, either by connecting directly using your Digital Banking credentials or by downloading
a file from Digital Banking and importing it into Quicken.
WINDOWS INSTRUCTIONS
1. Deactivate your existing Credit Union connection:
2. Re-establish the Digital Banking connection for your accounts
MAC INSTRUCTIONS
Q. How do I export my transactions from Digital Banking into Quicken?
A. To download your account transactions, use the Export/Quicken link for each account/share.
Q. Can I access my Digital Banking transactions via QuickBooks?
A. No. Currently the Credit Union does not support this application.
Q. What categories are supported with the current Digital Banking and Quicken integration?
A. Only banking and credit cards statements are currently supported. Investments (includes IRAs and certificates), 401Ks, and Bill Pay are not supported at this time.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license
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Yes, I’m a Spectrum Member
No, I don’t have an online banking account