Before there were smartphones and banking apps, lobbies, tellers and drive-through lanes represented the face of credit unions. According to a recent study, customers still want this brick-and-mortar version to be available for their financial needs.

This is where shared branching comes into play. Shared branching is a nationwide network of 5,400 branches of 1,800 credit unions. Members can enter any of the participating branches and conduct their business as if they were in their own hometown credit union.

When John and Kathleen Barry moved from Davis, Calif., to Entiat, Wash., which has a population of 1,100, they were worried about their banking needs. For 25 years, they had been members of USE Credit Union, which has assets of $712 million.

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