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Spectrum Federal Credit Union Checking Account

in Checking Accounts

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Spectrum Federal Credit Union Checking Account

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in Checking Accounts

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Overview

Where does Spectrum Federal Credit Union Checking Account do business?

Spectrum Federal Credit Union Checking Account is a credit union based in Oakland, CA. It was founded in 1973 and offers checking accounts services in 7 states across the USA.

Spectrum Federal Credit Union Checking Account is not a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are not covered by the FDIC if Spectrum Federal Credit Union Checking Account were to fall into financial difficulties.

What APY does Spectrum Federal Credit Union offer?

Spectrum Federal Credit Union Checking Account offers an APY and ranging up to 0.15% (APY stands for annual percentage yield, rates may change).

What features and perks does Spectrum Federal Credit Union Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Spectrum Federal Credit Union Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does Spectrum Federal Credit Union Checking Account charge?

This account charges a monthly maintenance fee of up to $5.

  • Outgoing domestic bank transfers come with a $20 fee.
  • Outoing international bank transfers come with a $30 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Spectrum Federal Credit Union Checking Account charges a $20 fee for an early account closure. Contact Spectrum Federal Credit Union Checking Account for more details on what is considered an early closure.
  • Spectrum Federal Credit Union Checking Account charges $5 every time you request a paper statement.
  • Every returned deposit incurs in a $5 charge.
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Contact

  • Headquarters
  •   500 12th Street, Suite 200
    Oakland, CA 94607 USA
  •   Visit Site

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 7 states
  • California
  • Louisiana
  • Maryland
  • Mississippi
  • Texas
  • Utah
  • Virginia

Feature Breakdown

Minimum Initial Deposit
$25
No Fees
ATM Fee: In-Network
$0
Online Bill Pay Fee
$0
Wire Transfer Fee - International (Incoming)
$0
Wire Transfer Fee - Domestic (Incoming)
$0
List of Fees
Monthly Fee
$0 - $5
Paper Statement Fee
$5
ATM Fee: Out-of-Network
$1
NSF Fee
$25
Overdraft Protection Fee (per transfer)
$25
Overdraft Item Fee
$25
Early Account Closure
$20
Returned Deposit Fee (Domestic)
$20
Debit Card Replacement Fee
$10
Stop Payment Fee
$15
Foreign Transaction Fee (Debit Card)
1%
Wire Transfer Fee - Domestic (Outgoing)
$20
Wire Transfer Fee - International (Outgoing)
$30
Returned Deposit Fee (International)
$20
Bank Account Features
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • NCUA Member
  • No ATM Fees
Percentage
APY
0% - 0.15%
    0% 5%

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