Shared Branching Services
If one of our branches isn't close to you, you can go to more than 1,000 participating
credit unions throughout the US. They'll handle your Northwest Community CU
transactions just like you were in one of our branches. Find one near you:
What is Shared Branching?
A "Shared Branch" is a credit union location that is part of a national network of
"linked" or "shared" facilities, which are identified by a common "swirl" logo.
Members of participating credit unions may conduct business at any of the "shared"
facilities as though they were at their "home" credit union.
Our members benefit from access to many branch offices throughout the United States.
This means NWCU members who travel or move may keep their existing relationship and may
have access to a Shared Branch teller just down the street. It also means that our
members that live throughout Oregon will enjoy the convenience of having many more
locations to conduct teller type transactions.
Who can use this service?
Members from any credit union belonging to the Shared Branch Network may conduct
business at any participating "shared" facility.
What types of transactions can be processed?
- Deposits (refer to Funds Availability Disclosure)
- Cash personal checks on another institution
- Withdraw funds
- Transfer monies from one account to another
- Obtain balance inquiries
- Process loan payments and advances
- Buy money orders
Note: For security reasons there are limitations to the amount of cash that members
may withdraw daily. Funds Availability Policy: Availability of funds deposited to your
account will depend on your credit union's policy. Funds may not be immediately
available.
Will there be service fees imposed for this service?
No. This is a great member-only benefit and another example of the credit union
difference.
Can I use an ATM at a Shared Branch free-of-charge?
Sometimes. Many credit unions that participate in the Shared Branch Network are also
part of the Co-op Network of surcharge-free ATMs, but an ATM associated with a "shared"
facility is subject to the fees and rules that govern that the machine's operation.
Where do I go inside the branch to process my transaction?
Look for the "swirl" logo at the teller windows. In many locations, all tellers
process transactions; so you may not see individual logos at the windows. When in doubt,
please check with a Member Service Representative on your first visit. Guest members
from other credit unions who visit NWCU will receive courteous and friendly attention
at our participating locations.
Do I have to show identification to process my transaction?
Yes. Identification is necessary for each transaction to eliminate the possibility of
fraud. We ask that members be prepared to present their photo ID on each visit, even if
they have been coming to a common location for a consistent time period. From time to
time, "shared" facilities will have turnover in staff, so if members are always ready
to present photo Ids, it helps to make the process go smoothly and maintains good member
service.
Do I need to know my account number?
Yes. Members must present their account number to the teller for each transaction.
The Shared Branch does not have access to inquiry screens from the member's "home"
credit union. This means that the Shared Branch IS NOT ABLE to look up a member account
number by doing a social security number search.
Why is there a "swirl" symbol on my receipts?
The "swirl" is an image that associates all CU Shared Branches and makes it
easy to locate a convenient branch office for transaction processing. This image is
similar to logos used for ATM networks, credit cards and other participating
partnerships.
Will my privacy be protected when I use a Shared Branch?
Yes. Your right to privacy as enacted by federal regulations will be upheld to
the fullest extent of the law. Members are encouraged to direct specific questions to
their "home" credit union.
Who should I contact if I have additional questions?
You should contact your "home" credit union for all transactions, products
and/or services inquiries. "Shared" facilities will not have access to all the account
information available to the "home" credit union. The use of a "shared" facility does
not entitle the individual to become a member of the processing "shared" facility. All
requests for additional products and services should be handled by the guest member's
"home" credit union.