Shared Branching

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:

  1. Your member number for the account you are trying to access
  2. 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:

  1. Scan the QR code located in the branch or visit verify.coop.org.
  2. Select your credit union’s name from a drop-down list.
  3. Enter your member number and the last four digits of your social security number.
  4. Upload a photo of your ID and take a selfie. Tip: Save your validation for an even quicker experience next time!
  5. Show your one-time passcode to the teller (passcode is valid for 20 minutes).

Find a Shared Branch Location Near You

Shared Branching