CU Member FAQ

1) What is Shared Branching?
2) How do I know if my credit union participates?
3) What is a CU Service Center®?
4) What transactions can I perform at CU Service Center®?
5) How can I find a CU Service Center®?
6) What are the differences between a CU Service Center® and my credit union?
7) What information can’t I get from a CU Service Center®?
8) What do I need to bring with me to perform a transaction at a CU Service Center®?
9) How long does it take for the transaction to reach my account?
10) Why are some checks placed on hold?
11) What does it mean, “Look for the Swirl”?

1. 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 3,500 locations.

2. How do I know if my credit union participates?
Click on the link to find out if your credit union participates in Shared Branching.

Link to Participating Credit Unions

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3. What is a CU Service Center®?
It is a Shared Branching location that processes financial transactions for “Guest Members.”

4. What transactions can I perform at CU Service Center®?

  • Deposits
  • Withdrawals (may be limited)
  • Balance Inquiries
  • Loan Payments
  • Transfers
  • Transaction Histories

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5. How can I find a CU Service Center®?
 It's easy, just click on Find the Nearest Outlet!

Link to  Find the Nearest Outlet

6. 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
  • You will be required to prove your identification
  • Drive-thru not always available to “Guest Members”

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7. What information can’t I get from a CU Service Center®?

  • Questions or problems with your statement
  • Any account information over the phone
  • Loan, Savings, and other Rates
  • Direct Deposits & Payroll Deductions set ups

8. 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)
  • Credit Union Name
  • Account Number (CU Service Centers® don't have the ability to look up your account number)

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9. How long does it take for the transaction to reach my account?
The transaction is “real-time” which means it is just like being at your credit unions branch.

10. Why are some checks placed on hold?
The length holds on funds deposited at CU Service Centers® are determined by your credit union. The CU Service Centers® sends a hold status code for each check taken. Only the your credit union can release funds for availability.

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11. What does it mean, “Look for the Swirl”?
“Look for the Swirl” refers to the CU Service Center® Swirl Logo. You can easily identify a CU Service Center® location by looking for the Swirl Logo. Some Service Centers and Outlets will have it on the pole sign and all will have the Swirl on their front door. Here is the CU Service Center® Swirl Logo:

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