CO-OP shared branches & ATMs
over 30,000 ATMs and 5,000+ shared branch locations
No matter where you travel, you’re never far from being able to access your United accounts through our CO-OP network of shared branches and ATMs. As a United Member, through CO-OP, you have access to 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide.1
Shared Branching - IDCheck
To ensure it's truly you accessing your shared branch account(s) and not an imposter, starting May 1, 2025, you will need to verify your identity through CO-OP's new fraud prevention tool, IDCheck.
This new tool allows a teller to identify and authenticate members requesting to make a transaction at a branch through a QR code and one-time passcode using multi-factor authentication verification. This additional layer of authentication will be required for withdrawals, but it may also be used for loan payments, cashier’s checks, deposits, transfers, and account inquiries based on the requirements of the shared branch location
Here’s how it works:
- Scan the QR code located at the shared branch or visit verify.coop.org on your mobile device
- Select United Federal Credit Union from the credit union drop-down list (on or after May 1, 2025)
- Enter your member number and the last four digits of your social security number
- Take a picture of your ID
- Take a selfie
Tip: Save your validation for a much quicker experience the next time! - Show your one-time passcode to the teller at the shared branch (passcode is valid for up to 20 minutes)
[1] Members are entitled to five (5) free withdrawals per month through CO-OP Network and Alliance One ATMs. Transactions at ATMs not owned by United Federal Credit Union may incur an additional surcharge from the ATM owner. This fee is not collected nor controlled by United Federal Credit Union.