Shared Branching

HCU has joined together with over 1,400 other credit unions, internationally, in a cooperative effort to bring you a new choice in financial convenience, “The CU Service Centers Network”.  You can now perform many of your financial transactions and obtain services at branch locations which are part of other credit unions belonging to the network. 

By using the CU Service Centers Network, your membership and accounts remain at HCU, but you can access your accounts and conduct business transactions with us through any of the convenient CU Service Centers locations.  In this way, through a network of participating credit unions, access to your accounts and HCU services is made easier. 

Convenience for on the Road and when Relocating or Traveling

No matter where you be on the road, HCU is now as close as the nearest CU Service Centers location.  With so many convenient locations, you will be able to access your account even if you travel or relocate hundreds of miles from Springfield.  To find a credit union that participates in the shared branching network you can call 888-CU-SWIRL or go online to www.cuswirl.com/search.  Credit Union 1 is a participant in shared branching in Springfield.  There are 3,400 branches and 1,400 credit unions that participate in Shared Branching. 

What can I do at a CU Service Center Location?

Standard Services:                                       
Deposits                                                         
Withdrawals (Cash/Check)                            
Transfers                                                        
Loan Payments and Advances                    
Statement Prints

Optional Services:
Gift Cards
Traveler's Checks
Coin Sales
Notary Services

How do I access my account?

All guest members must follow the Shared Branching Rules and Regulations.  In order to perform a transaction at a Shared Branching outlet, non-members must provide the credit union with the following information:

Credit union name                                         Valid Identification
Credit union account number                         Social Security Number Verification

Will my account automatically be available to participate in Shared Branching?

As long as your account has been opened for 60 days, you will have access to the Shared Branching Network.  Certain suffixes and accounts will be restricted from Shared Branching.

The following suffixes will be restricted from making withdrawals:

Christmas Accounts
Vacation Accounts
Business Accounts
Organizational Accounts
Rep Payee/UGTM Accounts
Escrow Accounts
Trust Accounts
Estate Accounts

The following accounts will be restricted from making deposits and withdrawals:

IRA’s
Certificates
Cash Only Accounts
Rep Payee/UGTM
Collection/Charge Off Accounts

*New accounts will be restricted from accessing shared branching for 60 days. 

Other Frequently Asked Questions

What is the difference between a shared branching outlet and my home location?

• You will need to completely fill out transaction slips
• Valid identification is required during each visit
• Drive thru may not always be available for guest members
• Check deposit holds may be different than you are normally accustomed to

Other Important Information…

If you have a password on your account, participating credit unions may not have access to that information and therefore will not ask you to provide it.  All participating credit unions are required to document verify your identity by requesting a valid identification card.

No third party checks will be accepted

A separate deposit slip for Shared Branching will be available at the participating credit unions in the network.