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Shared Branching/ATM Locators

From coast to coast, you’re welcome at branches and ATMs wherever you see the CO-OP logos. That covers a lot of territories—whether you’re across town or traveling far from home for business or pleasure. Your credit union membership means you can:CO-OP Shared Branch Locator

  • Use nearly 30,000 surcharge-free ATM locations—more than some of the biggest banks offer
  • Take advantage of surcharge-free ATMs at convenient places like 7-Eleven®, Costco®, and Walgreens
  • Visit over 5,000 convenient branch locations and more than 2,000 self-service locations covering all 50 states
  • Easily locate ATMs and branches through any of our locator tools—CO-OP ATM Locator
    including phone, mobile app, or Internet

How Does It Work?

Finding and using a Shared Branching location is easy!

  1. Simply visit https://co-opcreditunions.org/locator, call 1-888-748-3266, or text a zip code to 91989 to find nearby ATMs and Shared Branch Locations.
  2. Have your Credit Union Account Number and Photo ID ready to provide to the Shared Branch credit union teller or member service representative.
  3. Perform your transaction as if you were at one of our service centers! You can deposit and withdraw money, transfer funds, make loan payments, and more. You cannot apply for a loan, open a new account or add on additional Credit Union specific services. You'll need to contact us, visit one of our service center locations, or apply online for these additional services.

It’s important to note that you will be entering a different credit union to perform your transaction. The cooperative nature of credit unions allows this unique program to exist, unlike traditional banks.

A Complimentary Service

Not only does Shared Branching add convenience, but it’s also FREE to use! Additional charges may apply for extra services, such as traveler’s checks or statement copies, just as you would have if you were in one of our service centers.

ID CHECK for shared branching in another state

 What is IDCheck?

Soo Co-op Credit Union is committed to protecting your identity and making your Shared Branch visits as smooth and secure as possible. That’s why we’ve partnered with Velera’s IDCheck—a fast, easy, and secure way to verify your identity when visiting any participating Shared Branch location.

 Why Use IDCheck?

When you use a Shared Branch, IDCheck helps:

  • Protect your account from fraud and identity theft

  • Speed up the in-branch experience by allowing you to complete verification ahead of time

  • Give peace of mind knowing your identity is safely confirmed before any transaction takes place

How It Works:

  1. Start Online or In-Branch
    Scan the QR code in the branch, or visit verify.coop.org to begin the process.

  2. Enter Basic Information
    Include your home credit union, account number, and last 4 digits of your SSN.

  3. Upload Your ID & Selfie
    Take a photo of your government-issued ID and a quick selfie to verify your identity.

  4. Get Your Code
    You’ll receive a secure access code to share with the teller at the Shared Branch—simple, fast, and secure!

You can complete and save your IDCheck before visiting a Shared Branch, making your next transaction faster and smoother.