On the go
When you’re on the go and need cash, you can use your ATM card or debit card to get cash surcharge-free from any Spectrum Credit Union-owned ATM or from one of thousands of network ATMs.
We belong to the CO-OP ATM, Alliance One, Allpoint, and MoneyPass ATM networks, so keep an eye out for machines with any of these logos:
You can also find network ATMs using our ATM & Branch Finder or our Mobile Banking app.
Our current ATM daily limit is $1,000, but is subject to adjustment.
Good news! Up to eight withdrawals per card per month are allowed at network machines not owned by Spectrum Credit Union. If you exceed that amount during a month, we will charge a nominal fee of $1 for each additional withdrawal at non-Spectrum Credit Union ATMs that month.
If your ATM card is linked to a checking account, you can use it to make purchases at retail locations with point-of-sale terminals, but the card does not have a chip and is less secure than a debit card. We recommend that ATM cards only be used at ATMs.
If you expect to be making regular purchases at point-of-sale terminals, or if you will be shopping online, we recommend that you replace your ATM card with a debit card. It’s more flexible and more secure for making purchases. Learn more about the many benefits of having a debit card.
Our daily limit for point-of-sale purchases is currently $2,500.