Shared Branching

Hundreds of credit unions have joined together to bring convenience to members.

SHARED BRANCH– Access your accounts and conduct business nationwide with the CO-OP Shared Branch Network

  • Being a member of Chiphone FCU guarantee’s you access to the Shared Branch (CO-OP) Network.
  • Access your account at thousands of other credit unions and ATM’s all across the United States.
  • Contact your local Chiphone Branch to find a CO-OP branch near you or go to co-opsharedbranch.org

What you’ll need:

  • A valid drivers license with your correct address.
  • Your Credit Union account number.

 

IDCHECK:

In partnership with the CO-OP Shared Branching Network, Effective May 1, 2025, IDCheck will be required for members using an out-of-state ID to complete in-person transactions at shared branching locations, ensuring an extra layer of security for your accounts.

What is IDCheck?

IDCheck is a secure, seamless identity verification tool designed to protect your account from unauthorized access. This new process helps confirm your identity before completing transactions at participating Shared Branching locations.

How to Use IDCheck

To ensure a smooth transaction, preload your state-issued driver’s license into the IDCheck app before visiting an out-of-state Shared Branching location. Get started now at IDCheck by COOP (Portal opens May 1, 2025.)

If you haven’t set it up in advance, no problem! Simply scan the provided QR code upon arrival at the branch and follow these steps:

  1. Obtain a member verification code.
  2. Enter your member number and the last four digits of your Social Security number.
  3. Upload photos of the front and back of your government-issued ID (stored for future use).
  4. Take a selfie for identity verification (also stored for future use).
  5. Receive a one-time verification code (valid for 20 minutes).
  6. Provide the verification code to the teller.
  7. Complete your transaction as usual.

What If I Can’t Get a Verification Code?

If you’re unable to generate an IDCheck verification code, don’t worry! The teller may still be able to verify your identity using alternative methods.

This added security measure helps ensure that only you have access to your account, providing peace of mind while using shared branching services.

 

Check Holds: If you deposit a check at a shared branch location there may be a hold placed on your check.  Please contact us if you have any questions about this at 888-674-0956.

 

There are 5,600+ Shared Branch locations across the country 

Click here to find a shared branch credit union center near you!