Through Spectrum’s membership in the CO-OP Shared Branch network, members can perform financial transactions at 7,200+ credit union branches and self-service locations across the country as if they were in a Spectrum branch.

Here are answers to some common questions about conducting transactions at CO-OP Shared Branches:

What are the requirements for account access?

You need three things when you visit a CO-OP Shared Branch location:

  1. The name of your Credit Union (Spectrum)
  2. Your Account Number at Spectrum
  3. A current, unexpired, valid government issued picture identification with signature

Are there any limits on cash withdrawals?

CO-OP Shared Branches are allowed to limit cash withdrawals to $500 per day, though not all do.

How are deposited funds handled?

If you deposit cash, U.S. government checks, or U.S. Postal money orders, the deposited funds are available for immediate withdrawal. All other deposits are normally available for withdrawal within two business days.

What services are available?

  • Cash and Check Deposits – All checks must be U.S. dollars and payable through the U.S. Federal Reserve Bank. If you deposit a payroll check, make sure you have your payroll check stub with you to verify your deposit.
  • Withdrawals – Cash withdrawals may be limited to $500 per day. Check withdrawals are limited to your total amount of available funds authorized by Spectrum.
  • Loan Payments and Loan Advances – Loan Payments can be made by cash or check. Loan Advances can be made by cash or check; however, the cash limit may be set at $500 per day or by your Line of Credit limit set by Spectrum, whichever is less.
  • Transfers between Spectrum Sub-Accounts ­– Most locations can process transfers between Spectrum accounts.
  • Statement Prints – If available, the last ten transactions will be printed including your balance.
  • Check Withdrawals – Check withdrawals are limited to your total amount of available funds authorized by Spectrum.

Are there any fees?

Fees are assessed for specific transactions performed and services obtained at a CO-OP Shared Branch location.

Withdrawals     
Check withdrawals
* Fee may be optional by the Self Service Branch Kiosk Owner

 $5 
Deposits
   
Rolled Coins (deposit or purchase)
*Coin machines may charge a percentage of total deposit.
  $.25 per roll
Check Deposits    FREE
- Eleven or more checks   $.17 per check
Other Services    
FAX Request (first page)   $3
- Each additional page   $1
Money Orders (if available)   $3
Traveler's Checks (if available)   1% of face value
- Dual Signature   1.5% of face value
Photocopies (if available)   $.50
Indemnification Agreement   $25
Notary (if available)   Notary Public's posted fee

 

To find your nearest CO-OP Shared Branch location, use the ATM/Shared Branch Locator or give us a call at 510-251-6000 or toll-free 800-782-8782.