Did you know that unlike banks, credit unions, as not-for-profit organizations, view each other as allies rather than competitors when it comes to providing branch access? As cooperatives, thousands of credit unions, including InTouch, participate in “Shared Branching.” By “sharing” our collective branches with each other, ITCU and other credit unions can provide their members thousands of locations across the country to process common transactions, like deposits, withdrawals, loan payments and funds transfers. Through the power of Shared Branching, via the CO-OP Shared Branching network
, we're able to provide more than 5,000 branches across the country to serve you. So even if you don't live, work or travel where an ITCU branch is located, there's a good chance a shared branch is available to help!
*Important Shared Branching Changes:
Please note that new Shared Branching rules
require that all participating locations (including ITCU) obtain and record the following to complete a shared branch transaction. This information must match what is found in the Shared Branching system in order to complete the transaction.
We ask for your understanding, enforcement of these rules is not optional. Please be prepared to provide:
- A valid ID which lists:
- ID number
- Expiration date
- Date of birth; and
- State of issue
- The last 4 digits of your SSN
Also note that joint owners must be listed on each account as an owner in order for a transaction to be completed.
Surcharge- Free ATMs
Beyond branches, ITCU is also proud to participate in several surcharge-free ATM networks, including the ATM networks: CO-OP ATM, Alliance One and CU24: CU Here. These networks together offer InTouch CU unparalleled access to your money with more than 55,000 surcharge-free ATMs.
Need a surcharge-free ATM? Try our Locator Tool or just look for these logos:
Worried about making the switch to a Credit Union because of the number of locations? Worry no more with shared branching and surcharge-free ATMs. Check out how we stack up with the big banks below:
|InTouch Credit Union
||5,000+ with shared branching
||30,000+ with surcharge-free ATMs
|Bank of America®
Just looking for an InTouch Credit Union location? View our complete ITCU branch and ATM listing
Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, each ITCU account type has a limit on the number of monthly withdrawals that can be performed without an ITCU fee, at any ATM not owned by ITCU. See your checking
account type description to view each of these unique limits. See the Retail Fee Schedule
for the current Non-ITCU ATM Withdrawal fee, after allotted free withdrawals per account type. Please note that participating Shared Branches and ATMs are subject to change at any time, without notice. ATM and Branch totals for Chase and Bank of America are from their respective 2014 Annual Reports. ATM and shared branch location information for InTouch Credit Union is as stated by their shared branching and surcharge-free ATM networks as of April 2015.