Shared Branching
As a member of Ideal Credit Union, you have access to perform transactions at more than 5,000 credit unions nationwide using the CO-OP Shared Branching Network. Cash checks, transfer funds, make payments, withdraw funds and more — all free of charge.
With Shared Branching you can:
- Make deposits & withdrawals
- Transfer funds between accounts
- Make loan payments
- Cash checks and more
Services may differ between Shared Branch Credit Union locations. Please contact the credit union branch you plan to visit for complete details.
How to Use a Shared Branch Location
When visiting a shared branch location, you will need to have the following:
- Your member number for the account you are trying to access
- A valid government-issued photo ID
Please let the representative know that you are using a shared branch at the beginning of the transaction.
Shared Branch transactions are now easier and more secure than ever!
If you bank at one of our Shared Branch locations, a teller can now identify and authenticate members in the branch using a QR code and one-time passcode multi-factor authentication verification. This additional layer of authentication – called IDCheck – will be used for loan payments, cashier’s checks, deposits, withdrawals, transfers and account inquiries.
When you visit a Shared Branch location, follow these simple steps:
- Scan the QR code located in the branch or visit verify.coop.org.
- 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 and take a selfie. Tip: Save your validation for an even quicker experience next time!
- Show your one-time passcode to the teller (passcode is valid for 20 minutes).
Find a Shared Branch Location Near You
- Download the CO-OP ATM / Shared Branch Locator App: iPhone or Android
- Use the Online Shared Branch Locator
- Call 800-919-2872