TCT Members now have expanded access to over 5,500 Shared Branches across the United States.
Even when traveling far from TCT branches, you can access services at a CO-OP Shared Branch with your TCT Member Number and a valid ID.
This service enhancement means that TCT members can conduct financial transactions at other participating credit unions, including:
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Deposit money
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Withdraw money
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Make a loan payment (sorry, no mortgages)
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Transfer money to another account
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Review your account information and last 10 transactions
Traveling out of state? Here's what you need to know.
If you are conducting transactions at a shared branching location that is not in the state you currently reside in, and you are presenting an out-of-state ID, a Teller will ask you to identify and authenticate yourself using the IDCheck verification process to ensure that only authorized users are accessing your account.
How It Works:
- Ask for and scan the QR code located in the branch or visit verify.coop.org to register.
- Select your credit union’s name from a drop-down list.
- Enter your member number and the last four digits of your social security number.
- Upload a photo of your ID.
- Take a selfie photo.
- Show your one-time passcode to the teller (passcode is valid for 20 minutes).
Tip: Save your validation for an even quicker experience next time!
Transactions are performed by Tellers at Shared Branches (not by phone).
Services at Shared Branch locations throughout the U.S. may vary. If you plan to visit, please call the branch in our shared branching network for the most up to date hours/services available.
The Shared Branch Network is a national network of credit unions that allows you to perform teller transactions at participating credit union locations – just as if you are at TCT.
- Account Inquiries
- Cash Withdrawals
- Deposits (no limit)
- Loan Payments (excluding mortgage payments)
- Official Check Withdrawals
- Transactional History
- Transfers within one or more accounts
The Shared Branch does not support mortgage payments. Nor does it allow transactions on specialty accounts such as Estate accounts, Trust accounts, Representative Payee accounts, UTMA accounts, and Guardianship or Conservator accounts. Because shared branches are physical locations, you cannot perform transactions by calling the credit union's contact center. For complex financial transactions or guidance, please reach out to us directly.
You must provide the teller with your name, your credit union name, your member number, and a valid government-issued ID. Staff may also ask additional verification questions to make sure they're transacting with the right person.
Acceptable ID is a valid, state-issued driver’s license (US and Canada), a valid, state-issued identification card (US and Canada), a valid passport, a valid permanent resident card or resident alien card, a valid United States military ID, and a valid Matricula Consular ID card. Student IDs will be accepted only if the student is making a deposit.
Basic teller functions are completed free of charge to our members. These include deposits, withdrawals, loan payments, account transfers, transaction history, and loan advances. The availability of ancillary services and corresponding fees are determined by each participating credit union.
Yes, your account will show the transaction you make immediately.
As long as the branch participates in CO-OP’s Shared Branch Network, you can. Enter your zip code and select “CO-OP Shared Branch” in our locator to see a map with shared branches near you.
All international credit union deposit transactions will be processed as cash and members will be required to make deposits using the local currency. International checks will not be permitted.
Cash deposits are unlimited at shared branches. The maximum daily cash withdrawal at shared branches across the U.S. vary because they're set by the member’s credit union and the participating credit union.
Items available for immediate cash availability include cash, treasury checks, state/government checks, postal money orders, Federal Reserve checks and payroll checks under $2,500. All other checks will receive holds, regardless of their dollar amount. Holds will match TCT’s existing Funds Availability policy. Since each credit union’s Funds Availability policy is different, guest members processing transactions at TCT need to check with their credit union for any check hold questions.
Visit this page to find the shared branch location nearest you. There is a CO-OP SHARED BRANCH app in the iOS Apple and Google Play Store. You may call 888-837-6500 to locate a shared branch. Look for the CO-OP Shared Branching logo at a location near you.
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