Shared Branching | Kapa'a, HI - Lihue, HI - Waimea, HI | Kauai Community Federal Credit Union

Shared Branching

Kauai Community FCU is now 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 member access to a full range of financial services at outlets that are not our branches and it also enables member of participating shared branching credit unions to conduct transactions as a guest member at Kauai Community FCU.

If you are planning to travel inter-island or nation wide, you can do transactions at any participating credit union. To find a Shared Branching location, members can go to the 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 KCFCU members will also be applied to guest members

Present the following information when visiting a Shared Branching Location:

  • 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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