Shared Branching
CO-OP Shared Branching is a network that allows credit union members to perform basic banking transactions at participating credit unions, even if they are not members of that specific branch. This service expands your access to thousands of locations nationwide, making it easier to conduct in-person banking when you’re away from your home branch.
With CO-OP Shared Branching, you can:
- Make deposits and withdrawals
- Transfer funds between accounts
- Pay loans or credit cards
- Get account balances and more
This network is a great way for credit union members to access services at over 5,600+ participating locations, offering convenience and flexibility when you need it most.
Surcharge-Free ATMs
The CO-OP ATM Network is a nationwide network of ATMs that allows credit union members to access their accounts and perform transactions at thousands of machines without incurring extra fees. As part of the CO-OP network, you can use ATMs from participating credit unions, banks, and other locations across the country, providing you with convenient access to your funds, no matter where you are.
With the CO-OP ATM Network, you can:
- Withdraw cash
- Check account balances
- Make transfers between accounts
- Deposit checks (at select ATMs)
This network offers fee-free access for credit union members at over 30,000+ participating ATMs, helping you save on fees that might otherwise be charged by non-network ATMs.
What to Know Before Visiting a Shared Branch Location
- You must have your full Member Number.
- You must have a valid non-expired form of government identification (State ID Card, Driver’s License, Passport).
- Effective 05/01/2025, IDCheck verification is required if you are transacting out of state or presenting an out of state identification. IDCheck provides you with an extra layer of account protection. To begin, click the button below and follow the 5 easy steps to register and save your IDCheck profile. Upon arrival to the Shared Branch access your IDCheck profile, generate a unique one-time use verification code and provide it to the teller to begin transacting. Each code is valid for 20-minutes.
- Please be prepared to verbally confirm additional information with the representative, as needed.
- Shared Branch locations have limited access and may not see all account relationships or account history.
- Basic transactions such as deposits, withdrawals, and payments are generally possible.
- Withdrawals by cash or check may vary by location and will not exceed $3000.
