For Local & Out-of-State Members:
Gather Federal Credit Union participates in two major shared branching networks:
- HICUSO (Hawaii Network): Connecting you with credit unions statewide.
- CO-OP Network: A nationwide network that provides access to credit unions across the country.
Shared Branching allows you to complete many financial transactions at participating credit unions—whether you're here in Hawaii or traveling off-island. As a Gather member, you can also conduct transactions at other participating credit unions as a guest.
Transactions Available:
- Share Account Cash Withdrawals (limited based on availability)
- Deposit Cash & Coins (subject to standard deposit rules)
- Deposit Checks (payable to account owner)
- Loan Payments
- Transfers (within the same account, to different accounts, or issuers)
- Purchase Negotiable Instruments: Teller Checks, Money Orders, Traveler's Checks
- Interim Statements
- Loan Advances & VISA Cash Advances
- Business Account Transactions
- Non-Owner Deposits (with account number)
Note: Fees and limitations that apply to Gather members also apply to guest members.
What You’ll Need to Bring:
- Account Number & Credit Union Name
- Photo ID (e.g., State Driver’s License, Passport, Military ID, or other valid IDs listed above)
- For Minors: Student ID for “deposit-only” transactions
Some locations may have cash availability limitations, and funds deposited may not be immediately accessible.
IDCheck for Out-of-State Members:
To help keep your account secure, Shared Branching now includes an identity verification process when using an out-of-state ID or U.S. Passport for withdrawals. This does not apply to transfers. Manual verification will be required for members using a Military ID or for those without a smartphone. Cash/check withdrawal limits may apply.
How It Works
- Open the camera on your smartphone and scan the QR code.
- Enter your credit union’s name, account number, and the last 4 digits of your SSN.
- Review and accept the Terms and Consent form.
- Upload a photo of the front and back of your ID and take a quick selfie.
- You’ll receive an access code that’s valid for 20 minutes.
- Select “Yes” to Option to Save Validation to make future transactions faster.
If you don’t have a smartphone or are using a Military ID, manual verification may be needed. Cash/check withdrawal limits may also apply.
Scan the code or visit verify.coop.org to get started!
Locating Shared Branching Locations:
Planning to travel inter-island or nationwide? You can complete transactions at any participating credit union.
- Find a CO-OP Network location here for nationwide locations.
- For Hawaii-based locations, check out the HICUSO website here.
