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Your guide to banking after Shared Branching.

Shared branching is a service that allows Everwise members to visit participating credit unions outside of Everwise to complete certain banking transactions, such as deposits, withdrawals, transfers, and loan payments. It also allows members of other participating credit unions to complete transactions at Everwise branches.

Effective December 7, 2026, Everwise Credit Union will exit the shared branching network. After that date:

  • Everwise members will no longer be able to complete shared branching transactions at participating credit unions outside of Everwise.
  • Members of other credit unions will no longer be able to complete shared branching transactions at Everwise branches.

While this change may affect how some members complete certain transactions, you'll continue to have convenient ways to manage your accounts, make deposits, pay loans, access cash, and get support from Everwise through our digital banking tools, ATM network, Member Services team, and Everwise branch locations.

This change only affects transactions completed through the shared branching network. Everwise branches are not closing and will remain open and available to serve members.

The information below will help you identify the solutions that best fit your banking needs.

How do you use Shared Branching?

Select the option below that best describes how you use shared branching to find the Everwise solutions available to you.

I visit shared branches regularly.

I use shared branching for loan payments.

I don't live near an Everwise branch.

I use shared branching for my business.

I use shared branching regularly.

If you use shared branching to make deposits, transfer funds, or check balances, you can keep doing all of that through Everwise Online and Mobile Banking. You'll be able to:

  • Deposit eligible checks with mobile deposit
  • Transfer funds between accounts
  • View balances and transaction history
  • Access statements and account information

Everwise Online and Mobile Banking

I use shared branching to make loan payments.

You can continue making loan payments through several convenient options, including:

  • Everwise Online and Mobile Banking
  • Online Loan Pay
  • Internal account transfers
  • External transfers
  • Mail payments
  • In-person payments at an Everwise branch
  • Phone-assisted payment options

How to Make Loan Payments

I don't live near an Everwise branch.

You can continue banking with Everwise from virtually anywhere through:

  • Everwise Online and Mobile Banking
  • Mobile deposit
  • Thousands of free and reduced-fee ATMs nationwide
  • Phone support
  • Secure messaging

Online Banking Resources

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I use shared branching for my business.

If you use shared branching for your business accounts, you'll continue to have access to tools and services designed to help you manage your business banking needs. Business members can use Everwise Business Online & Mobile Banking to:

  • View account balances and transaction history
  • Transfer funds between accounts
  • Make business loan payments
  • Pay bills and manage recurring payments
  • Manage vendor payments through ACH and electronic payment options
  • Deposit eligible checks using mobile deposit (where available)
  • Set up custom account alerts to help monitor business activity and cash flow

Business Online Banking

Additional Resources:

Business Banking FAQs

Connect with a Business Specialist:

Online: Contact Us

Call: (574) 344-4294

Need Help?

Our Member Services team can help you find the solution that works best for you.

Contact us

Frequently Asked Questions

Why is Everwise leaving shared branching?

Our priority is serving Everwise members and ensuring they receive the service, support, and attention they deserve. As member needs and banking habits continue to evolve, we're focusing our resources on the services and solutions that best support our members while continuing to provide the level of care and convenience they've come to expect from Everwise.

When does the change take effect?

Everwise will exit the shared branching network on December 7, 2026. After that date, shared branching transactions will no longer be available for Everwise members or members of other participating credit unions at Everwise branches.

Is Everwise closing any branches?

No. This change only affects Everwise's participation in the shared branching network. Everwise branch locations will continue serving Everwise members as normal.

I still have questions. How can I get help?

We're here to help. If you're unsure which banking, payment, deposit, or account access option is right for you, contact Member Services for personalized assistance. Support is available by phone, secure message, and at Everwise branch locations. Our team can help you identify the solutions that best fit your needs.

Contact us

You still have access to the shared ATM network.

Everwise members have access to surcharge-free Alliance One and CO-OP ATMs nationwide, including 9,000+ that take deposits. Many are at retailers you already shop, so your money stays within reach whether you're across town or across the country.

Find ATMs Nearby
ATM fee waivers:Everwise members have access to surcharge-free Alliance One and CO-OP ATMs nationwide. A $2.50 out-of-network (foreign) fee is applied by Everwise to transactions at non-Everwise ATMs. Everwise waives this fee for Alliance One and CO-OP network transactions made within Indiana. Plus Checking: up to two Everwise fees waived per month at out-of-network ATMs. Max Checking: up to four Everwise fees waived per month at out-of-network ATMs.

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.