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CO-OP Shared Branch Network

Capital Region and Beyond

CAP COM participates in the CO-OP Shared Branch Network, giving you access to your account* at more than 5,000 branches across the country. At any credit union with the CO-OP Shared Branch logo, you can make deposits and withdrawals, pay your loan, review account information, print your statement, transfer money and more. For more information, see our FAQ below. Here’s what you’ll need when you visit a branch:

  • Name of your credit union
  • Account number
  • Valid government ID such as a driver’s license or passport
  • You might also be asked to provide personal information like the last four digits of your Social Security Number, or the address on your account.

Find a Location
Online: Use our branch and ATM locator.
Call: (888) SITE-COOP

Frequently Asked Questions about Shared Branches

The Shared Branch Network is a national network of credit unions that allows you to perform teller transactions at participating credit union locations – just as if you are at CAP COM.

  • Deposits
  • Withdrawals
  • Account Inquiries
  • Print Statements
  • Transfers (within one or more credit union accounts)
  • Loan Payments
  • Loan Advances
  • Money Orders

Visit this page to find the shared branch location nearest you. You can also call (888) SITE-COOP, and there is a “Find Branch” app for iPhone users. Look for the CO-OP Shared Branching logo at a location near you.

You must provide the teller with your name, the name of your credit union, your account number, the last four numbers of your Social Security Number and valid, government-issued ID. In addition to the ID, tellers may verify your complete address, your date of birth, phone number, joint owner and type of account.

Acceptable ID is a valid, state-issued driver’s license (US and Canada), a valid, state-issued identification card (US and Canada), a valid passport, valid permanent resident card or resident alien card, valid United States military ID and a valid Matricula Consular ID card. Student IDs will be accepted only if the student is making a deposit.

Basic teller functions are completed free of charge to our members. These include deposits, withdrawals, loan payments, account transfers, statement printouts, loan advances. The availability of ancillary services and corresponding fees are determined by each participating credit union. CAP COM will offer and charge for the following ancillary services for guest members of CAP COM:

  • Official Check Withdrawal (payable to a third party) - $2 each
  • Money Orders - $2 each

No. CAP COM will only send paperwork to our members directly. We have other tools available to make it more convenient for you to sign your paperwork, while continuing to protect the security of your information.

Yes, your account will show the transaction you make immediately.

As long as your branch participates in CO-OP’s Shared Branch Network, you can. Enter your zip code and select “CO-OP Shared Branch” in our locator to see a map with shared branches near you.

All international credit union deposit transactions will be processed as cash and members will be required to make deposits using the local currency. International checks will not be permitted.

There are no cash depositing limitations at ANY shared branch service center. Cash withdrawal limitations are set at the shared branch centers discretion. CAP COM will have a $5,000 cash withdrawal limitation to ensure adequate cash supplies to serve our members. Managers will have the ability to approve larger withdrawals for shared branch users based on need and cash capacity.

Items available for immediate cash availability include cash, treasury checks, state/government checks, postal money orders, Federal Reserve checks and payroll checks under $2,500. All other checks will receive holds, regardless of their dollar amount. Holds will match CAP COM’s existing Funds Availability policy. Since each credit union’s Funds Availability policy is different, guest members processing transactions at CAP COM need to check with their credit union for any check hold questions.

*Some restrictions may apply