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Shared Branching

Near or far, you’re never far from our shared network credit union

Gather is a participant in the Hawaii Network shared branching system through HICUSO, LLC which is a credit union service organization for shared branching services in Hawaii. The credit union also belongs to the CO-OP Network, which provides the Shared Branching system to credit unions across the nation.

Shared branching provides our members access to a full range of financial services at outlets operated by other financial institutions. It also enables members of participating shared branching credit unions to conduct transactions as a guest member at Gather FCU.

If you are planning to travel inter-island or nationwide, you can complete transactions at any participating credit union. To find a Shared Branching location, members can go to the Co-op website and locate an ATM or Branch. A list of Hawaii participating credit unions is located on the HICUSO website.

Shared Branching transactions includes:

  • Share account cash withdrawals (limited based on funds availability).
  • Deposit cash and coins- coin deposits are subject to our standard coin deposit rules.
  • Deposit checks- payable to account owner(s). No third party checks will be accepted.
  • Loan Payments
  • Transfers- within the same account, to a different account and to a different issuer.
  • Purchase of Negotiable Instruments:
    • Teller Checks
    • Money Orders
    • Traveler's checks
  • Interim Statement
  • Loan Advance
  • VISA Cash Advance
  • Business Account Transactions
  • Non-Owner deposits- Non-owner must provide guest member's account number. 
*Fees and limitations that apply to Gather FCU members will also be applied to guest members

Present the following information when visiting a Shared Branching Location:

Members are required to present your account number and credit union name. In addition, they will be required to present one of the following forms of identification:

  • Valid Photo ID
    • State issued Driver's License
    • State Issued Identification
    • Passport
    • US Armed Forces Identification (Military ID- no signature on ID required)
    • Alien Identification card
    • Matricula Consular Card (The "matriculation consular" is an identification card issued by a Mexican consulate. It is designed to be used by illegal immigrants- see Supervisor if this form of ID is presented)
    • State of Hawaii Temporary Driver's License (with expired original)
    • Minors- the same as listed above with the exception of "deposit only" transactions for which a student ID is acceptable.
  • Your account number
  • Your credit union name

*Some restrictions may apply based on a location's cash availability. Availability of funds deposited into your account will depend on your credit union's policy. Funds may not be immediately available.
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