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Co-Op Shared Branch and Surcharge-Free ATMs for Credit Union Members

Access over 5,000 locations and nearly 30,000 ATMs nationwide.

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With CO-OP shared branches, members from one credit union can perform banking transactions at another credit union. You can access thousands of branches all across the country.

What is a CO-OP Shared Branch?

CO-OP shared branches are offered by CO-OP Financial Services that help credit unions “leverage the latest technology and insights to strengthen member connections and propel growth.” Essentially, they help credit unions expand their reach and services to meet the needs of members.

As a member of a credit union that’s part of the network, you can visit participating branches nationwide. There are hundreds of credit unions that participate in the CO-OP shared branching network, with more than 5,000 branch locations. That is more than the location’s national big banks.

Additionally, shared branching offers credit union members surcharge-free access to almost 30,000 ATMs at credit union branches, convenience stores, and many other locations.

The Benefits of Credit Union Shared Branching

You can be a member of a smaller credit union and benefit from personalized service and access to convenient locations. Shared branching can be helpful when you travel or move to a new location.

How to Use a CO-OP Shared Branch Location

To access CO-OP shared branching locations, your credit union must participate in the program. Speak with your credit union and asked about shared branching and the CO-OP surcharge-free ATM network.

What you need to use a shared branching location

  1. A valid government-issued ID, such as a driver’s license or passport.
  2. The name of your credit union and your membership number or account number

With shared branching you can:

  • Get a copy of your account history
  • Make deposits
  • Withdraw money
  • Make loan payments
  • Transfer funds
  • Cash checks
  • and many other types of services

Additional services may include the purchase of money orders, cashier’s checks or notary services.

With shared branching you cannot:

  • Open additional accounts
  • Request support to service your accounts
  • Dispute transactions
  • Report your debit or credit card lost
  • Request for fee reversals
  • Apply for a loan

You must contact your credit union for any of your non-transactional needs. Shared branching locations cannot help you with servicing your accounts.

Where to find a CO-OP Shared Branch Location

  • Visit your credit union website branch locator tool
  • Locate a CO-OP shared branch with the locator tool, the CO-OP app, or by calling 888-748-3266.

How to Find a CO-OP Surcharge-free ATM

If you’re a credit union belongs to the CO-OP ATM network, then you have access to thousands of ATMs. The CO-OP network has nearly 30,000 Surcharge-Free ATMs.

ATM locations can include stores like 7-Eleven, Circle K, Costco, Publix, Dunkin Donuts, and Rite-Aid.

Where to find a CO-OP Surcharge-free ATM

Jason Vitug

Jason is the founder of phroogal, creator of the award winning project Road to Financial Wellness, and author of the bestseller and New York Times reviewed book, You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life.

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