Credit union shared branching gives you access to in-person services when you are far from your credit union’s locations. Through a participating network, eligible members may visit another credit union and complete certain transactions as if they were at their home branch. For People Driven Credit Union members, shared branching adds another way to manage money while traveling, attending school, working away from home, or living outside the immediate area of a PDCU branch.
What is credit union shared branching?
Shared branching is a cooperative service that connects participating credit unions. A member of one participating credit union can visit another participating location for approved in-person transactions.
The visiting branch does not become your new credit union. It provides access to certain services through the shared network. Available transactions, limits, and hours can vary by location.
What can you do at a shared branch?
Depending on the location, common shared branch services may include:
- Making eligible deposits
- Withdrawing available funds
- Transferring money between eligible accounts
- Making a loan payment
- Requesting certain account information
Contact the shared branch before visiting if you need a specific service. Transaction availability and identification requirements can differ among locations.
What should PDCU members bring?
Bring a valid government-issued photo ID and your People Driven Credit Union account information. The shared branch may ask for additional information to verify your identity and complete the transaction.
Shared branches and network ATMs are different
A shared branch provides eligible services through a participating credit union employee. A network ATM provides self-service access for supported card transactions in the co-op shared branching network.
How to find a shared branch
Use PDCU’s nationwide shared branch and ATM locator page to find participating CO-OP Shared Branch locations and network ATMs. Review the location details and contact the branch when you need to confirm a service or current hours.
Local service with broader access
A credit union does not need a branch on every corner to give members useful access. PDCU combines its Michigan locations, digital banking tools, and participating networks to help members manage their accounts at home and while traveling.
John Scharff is the Digital Marketing Lead at People Driven Credit Union, where he helps create clear, practical financial content for members and the communities PDCU serves. He focuses on making financial topics easier to understand, from loans and savings accounts to digital banking, fraud prevention, and everyday money management.
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