What's Shared Branching?

With Shared Branching, HRCU members can visit any participating credit union branch location or ATM to conduct everyday transactions and account inquiries. 

• Withdrawals
• Deposits
• Transfers
• Account History
• and more!

Benefits

Take advantage of free nationwide access to over 5,500 credit union branches and 30,000 ATMs within the Co-Op Shared Branching network (That's more than most of the biggest banks!). And it includes selected locations where you shop, such as 7-Eleven, Circle K, Costco, Dunkin Donuts, and many regional convenience store locations.

Whether you're traveling for the holidays or moving away for college, Shared Branching has you covered. 

Important ID Verification Update for Out-Of-State Withdrawals

Starting May 1, 2025, the CO-OP Shared Branching network is introducing a new ID verification step for withdrawals at all participating branches outside of your state of residence. This is to enhance the security of your account and prevent fraud. 

If you are traveling out of state and need to access your HRCU account to make a withdrawal at a participating Shared Branching location, you will now be required to complete multifactor authentication using a QR code and one-time passcode (OTP) through a smart device. 

Here's How it Works:

1. Scan the QR code presented at the branch or go to verify.coop.org. 
2. Type in Holy Rosary Credit Union. 
3. Enter your member number and the last four digits of your Social Security number. 
4. Upload a photo of your ID. 
5. Take a selfie to confirm your identity. (Tip: You can save your validation for a quicker experience next time.)
6. Show the one-time passcode to the teller (valid for 20 minutes). 

This is only for when you bank at a CO-OP Shared Branching location with an out-of-state ID. This also does not apply to CO-OP ATM locations. 

If you have any questions, please feel free to contact our Member Support Team.