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A Member Checking account is essential to your everyday financial activities — whether you’re visiting an ATM, purchasing groceries, or picking up your dog from the groomers.

And with free ATM transactions, no per-check charges or monthly fees,1 and above-market dividends whenever your balance exceeds $500,2 you’ll be glad you belong.

With a Member Checking account, you can replace your ATM card with a debit card at any time to enjoy the free and unlimited point-of-sale (POS) transactions3 and the security of chip technology.

Open a Member Checking account

  1. Apply for membership and make a $25 deposit to open your Primary Share Savings account.
  2. Open your free Member Checking account. No minimum balance required.

Ownership options

  • Individual
  • Joint
  • Uniform Transfer to Minors Act (UTMA)
  • Trust

Convenient features

Our Member Checking account couldn’t get more convenient. Some other great features include:

  • Automatic payroll deduction: arrange to have funds deducted automatically from your paycheck for loan payments or deposits to your Member accounts
  • Direct deposit: Your paycheck, minus usual deductions, will be electronically deposited into your Member Checking or Member Savings account
  • eDeposit of paper checks: deposit your paper check electronically by submitting a photograph instead
  • Electronic Fund Transfers: Transfer funds easily between your Member Checking and Savings account(s)
  • Wire transfers: allows you to securely send funds electronically to another individual or financial institution4
  • Free overdraft protection: Funds from your Members Savings account(s) will automatically transfer into your Member Checking account to cover an overdraft.


To learn more about your ability to withdraw funds at Spectrum Credit Union and some of the parameters we put in place to protect you and your accounts, visit our Funds Availability Policy. 

ATM/debit card access

A debit card is linked to your Checking account and combines the benefits of an ATM card and a personal check, allowing you to withdraw cash from an ATM and purchase items on the go. You can replace your ATM card with a debit card at any time.

Your ATM/debit card provides easy access to your funds as well as other great features:

  • ATM cash withdrawals up to $1,000/day3
  • Free and unlimited point-of-sale (POS) transactions with your debit card3
  • Added security of the latest chip technology with your debit card
  • Unlimited surcharge-free transactions at Credit Union-owned ATMs and up to eight surcharge-free transactions per month at 85,000+ network ATMs5

New Solutions Checking account: a great option for a new beginning

Spectrum Credit Union is dedicated to helping you manage your money and rebuild your financial health. With the New Solutions Checking account, you get a second chance at managing a checking account.

Our small monthly fee lets you avoid the high processing fees charged by most check-cashing companies. Plus, if your New Solutions Checking account is in good standing for 12 months, it will automatically convert to a traditional Member Checking account.4

New Solutions Checking accounts can be designated as Individual, Joint, or Uniform Transfer to Minors Act (UTMA).

Account features

  • Low monthly fee of $5 per month, charged at statement cycle
  • No minimum balance required
  • Free ATM/debit card, Online Banking, Bill Payer, and eStatements
  • Unlimited check writing, a free box of checks, and free online check images
  • Account converts to a typical Member Checking account after 12 months of positive activity4


Financial guidance to help you get ahead
As part of our commitment to sharing financial guidance and tips with our members, we partner with BALANCE to provide helpful financial education and counseling. Learn how to better manage your money through fun workshops and webinars, explore the range of online financial calculators, work one-on-one with a financial counselor, and more.


1 Account must be in good standing; offer not valid for New Solutions Checking accounts.
2 Dividends compounded daily and credited monthly; offer not valid for New Solutions Checking account.
3 Subject to funds availability.
4 Other restrictions may apply. Speak with a Member Services Representative for further details.
5 After eight transactions per month per card, a $1.00 fee will be charged for each transaction at an ATM not owned by Spectrum Credit Union.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

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