|
You may click on a specific question
to be linked to the answer of that question or scroll down to read all
questions.
 What is Shared Branching?
(TOP ^)
 Shared Branching
allows members from one credit union to conduct transactions on their account
at another credit union, referred to as a CU Service Center. The credit unions
are connected via a national switch, much like an ATM. When you go into a CU
Service Center, and provide the proper identification, the Member Service
Representative can access your USAgencies Credit Union account, and provide you
with information and perform transactions just as if you walked into one of our
branches.
How does Shared Branching Work? (TOP ^)
Each CU Service Center has a computer link to the CU
Service Center Network switch, as does USAgencies Credit Union. When you tell
the Member Service Representative you belong to USAgencies Credit Union, they
look up our name on their computer, and connect to the CU Service Center
Network switch. This is similar to what happens when you insert your ATM card
and key in your PIN on an ATM machine. The difference with Shared Branching is
that the connection provides much more information to the Member Service
Representative than an ATM connection provides to an ATM machine. The
transaction is then transmitted back to our main computer at USACU for approval
and/or processing.
Do I need to sign up or register for Shared
Branching? (TOP ^)
No. Shared Branching
is available to almost all USAgencies Credit Union members. However, if your
account is past due or overdrawn, the transactions you can perform will be
limited. If your account is not available at a CU Service Center, please call
USACU at 800-452-0915 and ask to speak with one of our Member Service staff
members.
What type of identification do I need to show to conduct a
transaction? (TOP
^)
To ensure your account information is not compromised, Service
Center employees will require you to properly identify yourself. You will need
to identify yourself as a USAgencies Credit Union member, and provide your
account number. You may be asked to verify the address and Social Security
Number or Tax Identification number associated with your account. And, you will
be asked to provide approved photo identification. A complete listing of
approved identification is listed on our CU Service Center Identification
page.
What if I can't remember my account number?
(TOP ^)
Ask the Service
Center representative to phone USAgencies Credit Union at 503-275-0300 or
800-452-0915. We will confirm your identity and provide you with your account
number. You will still need to provide proper identification to the Service
Center representative as stated above.
When will transactions post to my account? (TOP ^)
CU Service Center
transactions will post just like transactions made at a USAgencies location.
Deposits will be immediately credited, withdrawals will be immediately debited,
and payments will be immediately applied. Deposits are subject to USAgencies
check hold policies and may not be immediately available for withdrawal or
transfer.
Can I conduct transactions on all of my saving, investment,
and loan accounts using a CU Service Center? (TOP ^)
No. Not all CU Service Centers will be able to list all
of your accounts. For example, many Service Centers will not "see" your
Investment (certificate), or IRA information. Additionally, they will not be
able to provide you with information on your USAgencies Visa or MasterCard
accounts.
What type of transactions can be completed at a CU Service
Center? (TOP ^)
A complete list of
available transactions is listed on our Available Transactions
page.
Am I charged fees to use a CU Service Center?
(TOP ^)
Many transactions may
be conducted without charge. A complete listing of transaction fees is listed
on our Shared Branch Service Fee page.
When I look at my account statement, how will a CU Service
Center transaction be identified? (TOP
^)
When you review your account statement, or when reviewing your
transaction history using PC Branch, any transaction that is identified with
"SC" is a Service Center transaction.
How can I find a CU
Service Center? (TOP
^)
To find a CU Service Center, just call 888-287-9475. For a
nationwide map and a list of Service Centers in each state, use your browser
power by clicking here. Remember, new locations are added every month so check
the link often.
How do I know if a specific credit union branch
is associated with the CU Service Center Network? (TOP ^)
Just look for the CU Service Center Swirl . This symbol
will be displayed at all CU Service Centers.
What days and times are
CU Service Centers open? (TOP
^)
Most Service Centers are open from 9 AM to 5 PM in their respective
time zones. Some are open later in the evening or earlier in the morning. Many
are even open on Saturdays. The easiest way to find out the hours and location
of the CU Service Center nearest you is to use our location. This will connect
you to a nationwide map of Shared Branch Service Centers, provide you with the
days and hours each center is open, provide you with their address, phone
numbers and even a map to help you find your way.
|
