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How do I find a Shared Branch?

  • Call 1-888-SITE-CO-OP (888-748-3266)
  • Download the Shared Branch iPhone or Android app
  • Look for the Shared Branch logo at the credit union of your choice.

Co-op Shared Branch Graph, showing the amount of Co-op Shared Branch Credit Unions in the United States Compared to Wells Fargo, Chase, Bank of America, USBank and PNC

Make yourself at home at credit unions nationwide!

Personalized service is a major benefit of utilizing Mid Minnesota. Take advantage of MMFCU’s shared branching services through CO-OP Shared Branch and you can access your account at any of the over 6,000 credit union branches nationwide, often just as if you were visiting one of our own. 

The national CO-OP Shared Branch network links participating credit unions electronically, allowing credit union members to do “branch banking” even when the branch near you doesn’t belong to MMFCU. This is a huge benefit to if you travel, if your workplace does not coincide with our branch locations, if you are a student, or if you simply enjoy the convenience of expanded access. 

At a CO-OP Shared Branch location you can:

  • Make deposits and withdrawals
  • Make loan payments
  • Receive loan advances
  • Access VISA funds

Many shared branches also offer transfers, statement histories, money orders and notary services. Since services vary from one location to another, check with individual branches before your visit for a complete menu of available services and any fees associated with that service.

To help make your Shared Branching a successful experience, below are some frequently asked questions:

Will I need identification? You will be required to show current identification.


Are there additional costs to use Shared Branching? There are no fees for basic services such as deposits, transfers and withdrawals. Please call ahead to the shared branch you will be using for additional services and any fees associated with that service.

Can I cash checks at a Shared Branch? That depends on your Credit Union's check hold policies. MMFCU recommends that you check with your Credit Union to determine whether or not you will be able to cash your check through Shared Branching. 

How about payroll checks? Payroll checks up to $2,500 that are computer generated AND include the corresponding pay stub may have different holds than other checks. Check with your Credit Union to determine whether or not you will be able to cash your payroll check through Shared Branching. 

How much can I withdrawal at a Shared Branch? Typically there is a $500 limit if funds are available in your account, but some branches have higher limits. There is a $10,000 maximum limit that could be available per the Shared Branch Network. MMFCU recommends that you check with the Shared Branch that you will be transacting at to determine how much cash you can withdraw.