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Spectra Bank Resource Center

Information, Insights and Expert Advice

2022 Nacha Rules Changes for ACH

This 2022 NACHA Rules notification provides a summary of changes to the NACHA Operating Rules & Guidelines (“Nacha Rules”), listed chronologically in the order of effective date:
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Document: 2022 Nacha Rules Changes for ACH

Funds Availability Disclosure

Overview and disclosure of our policy on account funds availability:
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Document: Funds Availability, Regulation J UCC Article 4A

Our Privacy Policy

All financial companies need to share customer's personal information to run their everyday business. In the document linked below, we list the reasons financial companies can share their customer's personal information.
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Printable Privacy Policy

Preventing Identity Fraud

Take steps to protect yourself from identity theft.
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How to protect your account information

The best ways to keep your personal information safe is to be vigilant in your activity, to actively pay attention to where you store your important paperwork, and to check your account activity regularly. Take these steps to help protect your account information...
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Security Awareness Information

Corporate Account Takeover is a fast growing electronic crime where thieves typically use some form of malware to obtain login credentials to Corporate Online Banking accounts and fraudulently transfer funds from the account(s).
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Lost or Stolen Debit Card?

Having your wallet lost or stolen can be challenging. Spectra Bank is here to help. To report a lost or stolen Spectra Bank debit card, please call us immediately.
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Download The App

Banking with convenience in mind. Get 24/7 customer care at your fingertips, security you can trust and a smart, simple online banking experience on applicable devices.
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