Spectrum Checking

Spectrum Plus Checking

Debt Cards

Courtesy Pay

Courtesy Pay Opt In Form

Spectrum Checking

A Spectrum Checking Account is a free checking account available to members. It includes many benefits including a Debit/ATM card and more! Checking is still free at TFCU!


  • Free Checking Account for all Members (No Monthly Service Fees)
  • No Minimum balance
  • Free Debit Card (MasterCard)
  • Free 1st Box of Checks
  • This account has full ATM accessibility at over 28,000 ATMs on the CO-OP Network
  • Overdraft Protection from a Savings Account

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Spectrum Plus Checking

A Spectrum Plus Checking Account is the premium checking account available to members. It offers dividends on balances, free electronic bill ePay and courtesy pay (opt-in required to use courtesy pay.)


  • Premium Checking Account
  • Free Checking Account with an average minimum monthly balance of $5,000*
  • Tiered Higher Interest Rates
  • Free Debit Card (MasterCard)**
  • Free Electronic Bill ePay Service (Online Bill Payments)
  • Free Online Banking
  • Free 1st Box of Checks
  • This account has full ATM accessibility at over 28,000 ATMs on the CO-OP Network
  • “Courtesy Pay” may be authorized on this account by management upon approval (READ BELOW)

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Debit Cards

Debit Cards are the core hybrid tool of purchasing power and access to funds around the globe. This card comes with access to over 28,000 ATMs worldwide and a MasterCard Debit card rolled into one convenient card.


  • Access cash at any one of over 28,000 CO-OP ATMs nationwide free of charge
  • Card can be used to make real time transactions
  • Member must have a checking account to have card issued
  • Card is accepted anywhere that MasterCard is applicable
  • 24 fraud protection and notification
  • Members can issue an authorized user card
  • Account holder must be 18 years or older to request this product
  • Card is linked to savings and checking account
  • Initial card is free, replacement cards may be subject to fees


Master Money Debit Card:
The card that works like a check. Use it at more than 11 million merchants worldwide that accept MasterCard and the amount is deducted from your TFCU Checking Account. You can also use it to get cash at Cirrus, Star and CO-OP Network ATMs.


Sign up for MasterCard SecureCode for your online Debit card purchases. MasterCard SecureCode is a simple and secure way to pay at thousands of online stores. A private code known only to you, your SecureCode enhances your existing MasterCard Debit account by protecting you against unauthorized use of your Debit card when shopping online at participating online retailers.

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Courtesy Pay (Spectrum Plus Checking Accounts Only)

Life happens and sometimes there are not enough funds in your checking account. Sometimes the funds you deposited are not immediately available. If you have a Spectrum Plus Checking account you have the option of Courtesy Pay. Technicolor FCU may pay the following types of transactions with Courtesy Pay when funds are not available (however you must opt-in to have this benefit in a manner as specified below):


  • Checks
  • Automated Clearing House (ACH-electronic processing of financial transactions)
  • Automatic bill payments
  • ATM transactions
  • Everyday debit card transactions



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Opt In to Courtesy Pay Here

To opt in, please select the following link:


Why is Opt-In Required?
Technicolor FCU is complying with the new changes to the Electronic Fund Transfer Act. Beginning July 1, 2010 for new accounts, we will decline your ATM and everyday debit card transactions if you do not have enough funds available in your Spectrum Plus Checking account. You need to tell us if you want Courtesy Pay to approve ATM and everyday debit card transactions.


Are there Courtesy Pay fees?
We will charge a fee of up to $30 each time we pay an overdraft. If you do NOT opt-in for Courtesy Pay for ATM and everyday debit card transactions, we will decline your ATM and everyday debit card transactions if you do not have enough funds in your Spectrum Plus Checking account. There are no fees to opt-in to have Courtesy Pay approve ATM and everyday debit card transactions and no fee if you do not use Courtesy Pay.


We also offer overdraft transfer.
Overdraft transfer links another account, such as a Savings account, to cover a transaction. The fee for this transfer is less than Courtesy Pay. See our fee schedule for the current fees.


Please contact us to discuss your overdraft options.

Please call us at (818) 973-4900, ext “2” if you have any questions or to Opt-In over the phone.



All account information, terms and conditions are subject to change or cancellation without notice. For information on current fees that may be associated with this account please click here for the current fee schedule. Please contact a member service representative at Technicolor Federal Credit Union at (818) 973-4900 for more details.


*There is a $5.95 monthly fee if the total average monthly balance of savings falls below $5,000. Members can avoid this fee by keeping sufficient funds, setting up recurring direct deposit of at least $300 per paycheck, or may convert their Spectrum Plus Checking Accounts into Spectrum Checking accounts. Please contact the credit union at (818) 973-4900, option “2” for additional details.
**The first Debit Card is free. Additional cards may be subject to additional fees.

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© 2005-2018 Technicolor Federal Credit Union All Rights Reserved. Tel: 818.973.4900

This Credit Union is Federally Insured by the National Credit Union Administration.