Find an MMFCU Location Near You

Shared Branching allows MMFCU members the ability to transact at any Co-op connected shared branch credit unions across the nation as if they were at their local MMFCU branch. There are extra security steps to be able to utilize this service, like IDCheck when you are out-of-state, but it gives you the freedom to bank at over 5,600 shared branches.

If you are unable to receive a verification code, the transaction can still be processed. The Teller or staff member may use alternative methods to verify your identity to complete your transaction.

There are a few ways to find a Shared Branch near you:

1. Go to co-opcreditunions.org/ and click on the ‘Find an ATM or Branch’ button int he upper right corner. You can then search for ATMs or Shared Branches near you by using zip codes, address, city or state.
2. Download the Co-op ATM and Shared Branch Locator App to your phone. iPhone or Android.
3. Text a zip code to 91989 to find a nearby ATM and Shared Branch Locations. (SB = Shared Branch, SBX = Shared Branch Express).

By using a Coop ATM, you will not be charged a surcharge fee, unlike using other ATMs.

Starting May 1, 2025, Shared Branching users that utilize services at credit unions in another state must upload their state-issued driver’s license or ID into the IDCheck application before visiting and transacting at a Shared Branch location.

To get set up for a hassle-free experience, you’ll need to visit the Co-op site for IDCheck.

Setup Steps:

1. Enter your Credit Union’s name or choose from the dropdown list.
2. Enter your Member Number and the last 4 digits of your Social Security Number.
3. Upload a photo of the front of your government issued ID. (Your ID is securely stored and can be reused for future transactions.)
4. Upload a photo of the back of your government issued ID. (Your ID is securely stored and can be reused for future transactions.)
5. Take a selfie for identity verification. (Your selfie is also stored securely for future use.)
6. Receive a unique verification code. The code is valid for 20 minutes.
7. Present this verification code to the Teller to proceed with your transaction as normal.

IDCheck is a new tool designed to enhance security and streamline identity verification for Shared Branching transactions when visiting another state. This helps credit unions combat fraud and secure members accounts by validating members identities more effectively.