Shared Branching Basics

Shared Branching is a system that gives credit union members more choices on where to do business. If you can’t make it to your credit union’s branch, you may be able to use another credit union if they’re part of the Shared Branching network.

Using Shared Branching

It’s easy to use Shared Branching. Just find a branch that’s convenient for you and that’s part of the Shared Branching network. You’ll need a few things:

• Your account number
• Your Home credit union’s name
• Identification

If you’re making a deposit, just use the deposit slips you find in the branch -- you don’t need to bring any from your own credit union. Ask the tellers or other staff if you need any help. They’re used to working with members of other credit unions.

• Find Shared Branching Locations by State
• GPS Coordinates for Shared Branching

Note that you cannot do everything with Shared Branching. Basic transactions like deposits, withdrawals, and transfers are no problem. However, you won’t be able to perform more complex tasks like applying for a loan (unless you want to join the credit union you’re visiting).

Why Shared Branching?

Sometimes it’s not convenient to go to a particular branch. When you open an account at a credit union, you may find the branches convenient. However, moving across town or across the country changes things. Or your schedule may change, meaning you can’t visit the branch unless it keeps special hours (like a late evening or Saturday).

With Shared Branching, you have more options to choose from. Different credit unions serve different customer bases, which may consist of people in jobs with rigid schedules. You can benefit from any credit union’s operating hours, regardless of your profession or credit union membership.

If you’re out of town for business or pleasure, you can still work with your account using the Shared Branching network. You’ll have a million things to catch up on when you get home, but your savings account doesn’t need to be one of them.

Best of all, simple Shared Branching transactions are generally free.