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Coming Soon - TCT is Joining the CO-OP Shared Branching Network

Coming Soon - TCT is Joining the CO-OP Shared Branching Network9/26/2025

TCT is expanding our network of ATMs and Shared Branches to include the CO-OP Network.


As a TCT Member, you already have access to surcharge-free ATMs in 55,000+ Allpoint ATM locations. Coming soon - TCT will expand that access to include over 5,500 shared branches and 30,000 surcharge-free ATMs across the United States.

What is a shared branch?

Shared branching is a national network that allows members of participating credit unions to conduct financial transactions at any other credit union branch within the network. Even when traveling far from TCT branches, shared branching provides access to thousands of convenient credit union locations for services like deposits, withdrawals, transfers, and loan payments. Your accounts and membership remain with TCT, but you can access services at a shared branch with your TCT member number and a valid ID.


Benefits of shared branching include;

It's convenient for credit union members and helps them avoid out-of-network bank ATM fees.
You can conduct financial transactions at thousands of other participating credit unions. This gives you access to your money nationwide to do any of the following activities:

  • Transfer funds to another account
  • Deposit money
  • Withdraw money
  • Make a loan payment
  • Cash checks

At shared branches, you won't be able to open new TCT accounts.

Finding a shared branch

Coming soon - Check tctfcu.org/Locations or TCT's mobile banking app to find participating credit unions in the CO-OP Shared Branching Network. 

CO-OP ATMs and Shared Branches

 



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