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Shared Branching: Making it easy to access your account

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Out of town and need to make a withdrawal? Shared branches make it easy. Sound is a Shared Branching network member and CO-OP ATM Network member. This means you can conduct basic transactions at more than 5000+ shared branching locations across the U.S., plus nearly 30,000 surcharge-free* CO-OP ATMs.

Shared branching lets you make:

  • Deposits
  • Withdrawals
  • Loan payments and advances
  • Transfer between accounts

For shared branching, all you’ll need is

  • your home credit union’s name
  • your account number or member number, and
  • your signed valid government-issued picture identification (ID). Examples of acceptable ID include a U.S. passport or state-issued driver’s license.

For account security purposes, you may be asked to verify

  • the name on the account,
  • your date of birth, and
  • the last four digits of your Social Security number.

If any of the requested information or valid ID is not provided, the shared branching hosting credit union will not be able to assist you—for the security and safety of your account.

Find a Shared Branch or ATM near you

Visit co-opcreditunions.org/locator/ or download and use the CO-OP Locator app to find Shared Branching Network locations and CO-OP ATMs Network ATMs.

Not a Sound Credit Union member?

*Surcharge-free transactions are available for debit and ATM card holders of participating credit unions, like Sound Credit Union. Not a Sound Credit Union member yet? Visit co-opcreditunions.org/locator/  and click through the “Does My CU Participate?” link to find out if your credit union participates in both the Shared Branching Network and the CO-OP ATM Network – not all do. If your credit union is not a CO-OP ATM Network member, the ATM will notify you of the fee before you complete the transaction.

If your credit union participates, come inside one of our branches to conduct your shared branching transactions. Shared Branching transactions may not be conducted through Drive-Thru Banking.

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