Shared branching is a cooperative network of credit unions that allows “guest members” from any participating credit union to perform transactions at Shared Branch locations across the United States and in some countries. In other words, credit unions have joined together to share their branches so that members can easily conduct their basic financial transactions where they live, work, or travel. With over 5,600+ locations, the Shared Branch Network now has more locations than Wells Fargo, Chase, and Bank of America, making it the third largest financial network!

Members benefit from access to over 5,600+ branch offices throughout the United States and in some countries. This means members who travel or move out-of-state can now remain members of their credit union and still have access to a friendly branch office near them.

Length of holds: most checks deposited at a Shared branch will be placed on a hold (the hold length is determined by your credit union, not the Shared Branch location)

• You might be required to complete a transaction slip
• The rules require the locations to verify your valid identification
• Drive-thru might not be available for Shared Branch transactions

You can check at co-opcreditunions.org/locator and click on “Does My CU Participate.” You will need to call your credit union if you need help with any of these issues:

• To release a check hold
• Questions about your statement
• Any inquiries by phone
• Loan, savings, and other rates
• Direct deposits and payroll deductions
• Replacement of re-pin of your ATM or debit card
• Opening/closing of account types

• Valid approved photo ID
• Your Credit union name
• Account number (it might not be the account number on your checks)

Look for the Shared Branch logo at participating locations:

• Find them online: www.coop.org/Shared-Branch-ATM
  1. Search for the nearest Shared Branch, CO-OP ATM or both
  2. Perform advanced searches with filtered results
• Install the iPhone or Android app that uses your location for nearest Shared Branches.
• Live Help is available to CO-OP Shared branch members by calling 888-748-3266 for live personal assistance.

Credit unions have the choice to join the network and the choice to select which branches will be available on the network. Use the tools above to find the most convenient locations. If your credit union is on the Shared Branch Network, you perform these transactions at a shared branching location:

• Deposits
• Withdrawals*
• Transfers*
• Loan payments*
• Money orders**
• Official checks**

*Some restrictions apply.
**Not available at all locations, Check before visiting.

Cash withdrawals are limited to a minimum of $500 per day, regardless of your own credit union’s policy.

The transaction is “real time,” which means it is immediately posted to your account. However, newly deposited funds may not be immediately available for Use.

You can’t cash checks at Shared Branch locations. You must be a member of a credit union on the Shared branch Network, and you will need available funds to deposit a check and perform a withdrawal.

You will need to contact your credit union before attempting to make a late loan payment at a Shared Branch location.

ATM networks are separate from the Shared Branching Network. Check with your credit union to see if they are associated with surcharge free ATM networks like the CO-OP ATM Network.

A member’s right to privacy as enacted by federal regulations will be upheld to the fullest extent of the law. Members are encouraged to direct specific questions to their home credit union.

If any Shared Branches have coin machines, you may be subject to the fees or charges of that credit union.

U.S. currency only.

Shared branching wasn’t designed for business accounts, and the ability to perform transactions could be hindered based on how your account is set up. Large cash deposits or high-volume check deposits could also be restricted.