Shared Branching
Bank where life takes you.
Shared Branching gives members convenient access to their accounts at participating credit unions nationwide, so you can complete everyday transactions even when you’re away from your home branch.
Through the nationwide CO-OP Shared Branch network, members can visit thousands of participating credit union locations across all 50 states and internationally. Whether you’re traveling for work, attending college, relocating, or simply away from home, Shared Branching helps you stay connected to your finances.
What Is Shared Branching?
Shared Branching is a cooperative network of participating credit unions that “share” branch locations with one another. If your credit union participates in the network, you can perform many routine banking transactions at another participating credit union as if you were visiting your own branch.
Look for the CO-OP Shared Branch logo or use your credit union's branch locator tool to find participating locations.
Benefits of Shared Branching
Nationwide Convenience
Access thousands of participating branches nationwide for in-person service while traveling or away from home.
Access to Everyday Transactions
Members can complete many routine financial transactions without visiting their home branch.
Extended Credit Union Access
Shared Branching provides the personal service of a credit union with the convenience of a larger branch network.
Safe and Secure
Transactions are processed securely in real time at participating locations. A valid government-issued photo ID is required.
Transactions You Can Typically Complete
At participating Shared Branch locations, members may be able to:
- Make deposits
- Withdraw cash
- Transfer funds between accounts
- Make loan payments
- Obtain account balances
- Print statements
- Purchase money orders or official checks at select locations
Available services may vary by branch location and participating credit union.
Transaction limits and availability can vary by participating location.
Important Information
While Shared Branching offers convenient access to many services, some transactions may not be available, including:
- Opening new accounts
- Opening certificates or IRAs
- Mortgage services
- Wire transfers
- Business account transactions
Frequently Asked Questions
Overdraft protection usually refers to linked account transfers or credit lines that move funds to cover shortages.
Overdraft coverage, or courtesy pay, refers to an institution paying for transactions on your behalf when your account balance is insufficient.
You can use your credit union’s branch locator or the CO-OP Shared Branch locator to search by ZIP code, city, or current location.
In most cases, Shared Branching is a free service available to members of participating credit unions.
Common transactions include deposits, withdrawals, transfers, loan payments, statement printing, and balance inquiries. Services may vary by location.
Yes. A valid government-issued photo ID is required to conduct transactions.
No. Most Shared Branch locations cannot open new checking, savings, IRA, or certificate accounts for members of another credit union.
Some participating locations may have cash withdrawal limits or restrictions for guest members. Limits vary by credit union and branch.
Yes. Shared Branching locations are available throughout all 50 states, with some international locations as well.
Why Members Love Shared Branching
Shared Branching combines the personalized service of a credit union with the flexibility and convenience of a nationwide branch network. Whether you’re traveling, relocating, or simply away from home, you can still access your accounts with confidence and ease.