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Credit Union Service Centers Shared Branching
For many years, the big banks held one significant advantage over credit unions: Locations, locations, locations!
 
That advantage is a thing of the past, thanks to Credit Union Service Centers!

Coosa Pines FCU is a member of the Credit Union Service Center Network (CUSC) which gives credit union members over 4,300 convenient locations in the United States at which to make transactions on their Coosa Pines FCU accounts.

For a listing of locations coast to coast, along with hours and turn-by-turn directions, visit the web site www.creditunion.net.  These locations may be branches of other participating credit unions or Service Center branch offices. 

Download Service Center locations & directions to your personal navigation (GPS) device!
 
Download the CUSC Service Center Transactions
The following transactions may be completed at a CUSC location:
  • Deposits (by cash or check)
  • Withdrawals (by cash or check)
  • Transfers 
  • Loan payments
  • Balance inquiries
  • Purchase of official checks, money orders, travelers checks, and theme park tickets where available
  • Free Notary Service where available

The following transactions may not be completed at a CUSC location:

  • Open a Coosa Pines FCU account
  • Close a Coosa Pines FCU account
  • Obtain a transaction history on a Coosa Pines FCU account
  • Cash third-party checks – For example: a non-member can not present a check drawn on a Coosa Pines FCU account to a Service Center location for cashing.  The check must be cashed at a Coosa Pines FCU branch location.
CUSC Identification Policy
Find the Service Centers closest to you with the When visiting a Service Center, CPFCU members must present a valid, non-expired ID and their CPFCU member number. 
Acceptable IDs include:
  • State-issued Driver's License
  • State-issued Non-Driver's License or ID
  • Military ID
  • Passport

The following will NOT be accepted for identification:

  • Expired Temporary Driver's License
  • Expired Driver's License
  • Company/ Employer Picture ID
  • School ID
When visiting a CUSC Location
  • You will be asked to complete a Service Center deposit/withdrawal slip,
  • Provide your Coosa Pines FCU member number,
  • Provide a valid (non-expired) state-issued drivers license or state-issued non-drivers license identification card,
  • Verify and sign a completed receipt, 
  • And place a right thumbprint on a check over $50.00 to be deposited or cashed.
Get Service Center locations & hours with the CUSC Check Policy
Coosa Pines FCU has allowed that funds from certain checks deposited at a Credit Union Service Center will be made immediately available for withdrawal.  However, there are instances in which a hold may be placed on funds deposited by check at a Service Center.  In some cases, funds may not be available for withdrawal until the fifth business day after the day of deposit, depending on the type of check that is deposited.  However, the first $100 of the deposit will always be available on the first business day after the day of the transaction.

Funds from the following types of checks will likely be placed on hold:
  • Local Checks – If the account balance does not exceed the amount of the check
  • Non-local Checks
  • Unfamiliar Business or Payroll Checks
  • Insurance Drafts
  • Counter or Starter Checks
  • Cashier Checks or Official Checks
  • Money Orders
NOTE: Longer check holds may apply when you visit a Service Center.  If you will need the funds from a deposit right away, or have any questions regarding your account, you should contact any Coosa Pines FCU branch to speak with a Member Service Representative regarding your transaction.  Please remember that employees at Service Center locations are not able to release a Coosa Pines FCU deposit hold or to answer questions regarding your account that are not specifically related to your transaction or current balance(s).  Transactions performed at Service Center locations are subject to the fees, rules, policies, and procedures of the Credit Union Service Centers Network.

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Accounts will be charged the standard Overdraft fee of $28 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $28 for items returned.  An overdrawn balance must be repaid within 30 days.  We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Coosa Pines Federal Credit Union or if your account is subject to any legal or administrative order or levy.

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