United States Senate Federal Credit Union

FAQs - Shared Branching

Shared Branching | VCom | ATMs
What is Shared Branching and what does it mean to me?

Three networks make up the National CU Service Centers® Network – a cooperative sharing of branches allowing credit union members to benefit from a personal transaction experience at locations other than their hometown credit union.

Some interesting facts:

  • There are over 6,000 Shared Branch location, including 2,100 7-Eleven® V-com® Unit Kiosks
  • Guest members of over 1,300 Credit Unions use shared branching today
  • Over 110 million transactions are processed per year
  • 46 states have locations
  • International locations include – Puerto Rico, Japan, South Korea, Italy and Germany
  • Members of USSFCU can look for “The Swirl” to know that they are in a shared branch location able to assist with their account transactions
Why would I visit a CU Service Centers® Location?
You can perform many of your financial transactions and obtain services at branch locations or other credit unions belonging to the network.
Can I use a CU Service center while traveling?
Yes! No matter where you may be on the road, your Credit Union is now as close as the nearest CU Service Centers® location. With so many convenient locations, you will be able to access your USSFCU account even if you travel or relocate hundreds of miles from the Credit Union.
What types of shared branching services are available at CU Service Centers® Locations?
  • Deposits and Withdrawals
  • Loan Payments and Loan Advances
  • Transfers

    Additional services at most locations:

    • Withdrawals via Official Checks
    • Statement Prints (Recent Account History)
    • VISA and/or MasterCard Cash Advances

    Requests Optional (May not be available at all locations or are restricted by your own Credit Union):

    • Change of Address or Phone Number
    • Loan Services
Is there a Surcharge Fee for a shared branch transaction at a CU Service Centers® Location?

Most regular transactions such as deposits and cash withdrawals are performed without charge.  Some fees are assessed for specific transactions performed and services obtained, at a CU Service Centers® location. You may refer to the Member Fee Schedule required to be posted at the location you visit.

How do I access my account?

You will need three things when you visit a CU Service Centers® Location.

  1. The name of your Credit Union – We are known as United States Senate FCU for this purpose
  2. Your Account Number at your Credit Union
  3. A current, un-expired VALID U.S. Government issued picture identification with signature
    • State issued driver’s license or identification card (temporary extensions are not accepted)
    • U.S. Passport
    • City, State, County or Federal I.D. card or badge
    • U.S. Armed Forces Identification Card or the new Smart Identification card without signature
    • Resident Alien Card issued by the INS
Have these items ready to present to the teller. This will save you time! All transactions require identification.
If you have any questions regarding your account or transactions that were performed through the CU Service Centers Network, you may contact USSFCU directly.
Are there any transactional limits that I should be aware of?

Cash Withdrawals

CU Service Centers® may limit cash withdrawals to $500 per day, regardless of your own Credit Union’s policy.

Holds and Deposit Funds

The funds that you deposit at the CU Service Centers® Locations may not be available for immediate withdrawal from your Credit Union account.
HOLDS are placed by your own credit union on items you deposit through the CU Service Centers® Locations by your credit union’s Hold Policies.

Stop Payments

The CU Service Centers® Location CANNOT accept a stop payment request on your checking account. YOU MUST CONTACT YOUR OWN CREDIT UNION. If you need to place a stop payment on a check you obtained from the CU Service Centers® Location such as a cashier’s check, money order or official check, you must contact the CU Service Centers® Location where you obtained the check. There will be a waiting period not to exceed 90 days before funds can be released. You may be required to complete an indemnity agreement. Please refer to the CU Service Centers® Location fee schedule.

How do I find the location of a CU Service Centers® ?

You can find locations and availability of CU Service Centers®  by using the Service Locator on  this web site (www.ussfcu.org) , and on the internet at www.cuswirl.com, or by calling  (888) 287-9475. With CU Service Centers, you can use your valuable credit union membership at international locations!