What is a Shared Service Center?
A "Shared Service Center" is a Credit Union location that is part of a national network of "linked" or "shared" facilities, which are identified by a common "swirl" logo. Members of participating credit unions may conduct business at any of the "shared" facilities as though they were at their "home" credit union.

Why is Telhio part of a Shared Service Center Network?
Telhio members benefit from access to many branch offices throughout the United States. This means Telhio members who travel out-of-state or move may now keep their existing relationship and still have a friendly Telhio office just down the street.

Who can use this service?
Any Telhio member may conduct business at any participating "shared" facility.

What types of transactions can be processed?

• Make deposits (refer to Funds Availability Disclosure)
• Cash personal checks on another institution
• Withdraw funds
• Transfer monies from one account to another
• Obtain balance inquiries
• Process loan payments and advances
• Buy money orders and traveler's cheques (These services are up to the 
     discretion of the host credit union.  You may want to call the credit union
     you plan to visit in order to verify that they do offer these particular
     services.)

Note: For security reasons there are limitations to the amount of cash that members may withdraw daily.

Funds Availability Policy: Availability of funds deposited to your account will depend on your credit union's policy. Funds may not be immediately available.

Where do I go inside the branch to process my transaction?
Look for the "swirl" logo at the teller windows. In many locations all tellers process transactions so you may not see individual logos at the windows. When in doubt, please check with a Member Service Representative on your first visit.

Guest members will receive courteous and friendly attention at all Telhio locations.

Do I have to show identification to process my transaction?
Identification is necessary for each transaction to eliminate the possibility of fraud. We ask that members be prepared to present their photo ID on each visit, even if they have been coming to a common location for a consistent time period. From time to time "shared" facilities will have turnover in staff, so if members are always ready to present photo IDs it helps to make the process go smoothly and maintains good member service.

Can I make a night deposit at a shared branch?
No, Night Depository are not available at shared branches.

Do I need to know my account number?
YES. Members must present their account number to the teller for each transaction. The Shared Service Center does not have access to inquiry screens from the member's "home" credit union. This means that the Shared Service Center IS NOT ABLE to look up a member account number doing a social security search.

Why is there a "swirl" symbol on my receipts?
The "swirl" is a created image that associates all CU Shared Service Centers and makes it easy for Credit Union members to locate a convenient branch office for transaction processing. This image is similar to the logo for ATM networks, credit cards and other participating partnerships.

How can I find other "shared" locations?
Click here for more information or call 800-222-5446.

Who should I contact if I have additional questions?
Members should direct questions to their "home" credit union for all transactions, products and/or services inquiries. "Shared" facilities will not have access to all the account information available to the "home" credit union.

The use of a "shared" facility does not entitle the individual to become a member of the processing "shared" facility. All requests for additional products and services should be handled by the guest member's "home" credit union.

Will there be service fees imposed for this service?
No. This is a great member-only benefit and another example of the credit union difference.

Can I use an ATM at a Shared Service Center free-of-charge?
An ATM located or associated with a "shared" facility is subject to the fees and rules that govern that machine and its operation.

How will my privacy be protected when I use a Shared Service Center?
A member's right to privacy as enacted by Federal Regulations will be upheld to the fullest extent of the law. Members are encouraged to direct specific questions to their "home" credit union.