Shared Branching FAQs


What is Shared Branching?

Shared Branching is a cooperative network of credit unions that allow "Guest Members" from any participating credit union to perform transactions at CU Service Centers® locations across the United States. In other words, your credit union and others are joining together and Sharing their Branches so you can conduct financial transactions where you live, work or travel. You now have access to over 4,400 locations.

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How do I know if my Credit Union participates?

Check with your Credit Union, call 888-SITE-CO-OP (888-748-3266), or click HERE to find a location near you.

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What is a CU Service Center®?

It is a Shared Branching location that processes financial transactions for "Guest Members", or members from another participating Credit Union.

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What transactions can I perform at a CU Service Center®?

  • Deposits
  • Withdrawals- limits vary per credit union
    • For members of R1CU at a shared branch - up to available daily balance or limit of credit union, whichever is less
    • For non-members at R1CU - up to $1,000 maximum
  • Balance inquiries
  • Loan payments
  • Transfers
  • Transaction history (not available on all accounts)

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What are the differences between a CU Service Center® and my Credit Union?

Policies at a CU Service Center® may differ from those at your Credit Union, for instance:

  • Length of holds (determined by your Credit Union)
  • You will need to completely fill out transactions slips
  • Transactions through night drop or drive-thru are not allowed at some credit unions
  • You will be required to prove your identification
  • Drive-thru is not always available to "Guest Members"

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What information can't I get from a CU Service Center®?

  • Questions or problems with your statement
  • Any account information over the phone
  • Loan, shares, and other interest rates
  • Direct deposits & payroll deductions set-ups

Certain account types are not available for access from a Shared Branch. Estate, Fiduciary, UTMA and Power of Attorney accounts cannot be accessed, because they are required documentation that your Credit Union has on file that the Shared Branch does not have access to. DBA accounts must have the DBA in the Account Title, or checks made payable to the DBA cannot be accepted. Check with your Credit Union to make sure the account title is named in such a way that it includes your business name.

*Some credit unions may not allow shared branching transactions through night drop or drive-thru.

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What are the policies for using shared branching?

Policies at a Shared Branch location may differ from those at Resource One Credit Union, including:

  • Holds on certain types of checks and money orders
  • Withdrawal limits
  • Completion of deposit and withdrawal slips by members
  • Identification and endorsement verification required
  • Some credit unions will not allow night drop and drive-thru transactions
  • Shared branches will not be able to look up your account. You will need to know and provide this information.

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What do I need to bring with me to perform a transaction at a CU Service Center®?

  • Valid Photo ID (Driver's License, Passport, Military ID)
  • Your Credit Union name
  • Account Number (CU Service Centers® don't have the ability to look up your account number)

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How long does it take for the transaction to reach my account?

Cash deposits and withdrawals are effective immediately. The transaction is "real-time" which means it is just like being at your Credit Union's branch. Checks accepted for deposit may have a hold on the funds, depending on the type of check it is.

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Why are some checks placed on hold?

Because of the high risk of fraud, the only types of checks that will be given immediate credit are computer-generated payroll checks under $2,500.00 and US Postal Money Orders that can be verified. All other checks will have a 2-5 business day hold placed on them. These are general policies for all Shared Branching transactions and not up to each individual branch. Your Credit Union may override the hold, but it is at their sole discretion.

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Can I use their ATM free of charge as well?

Many of the Shared Branches have ATMs that operate on a different network than Resource One Credit Union. While you are still able to use a Shared Branch ATM, you will have to agree to pay any surcharge that the ATM may charge before completing your transaction. To avoid any fees or confusion, it is necessary to go inside and have the teller perform the transaction for you.

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