Most credit unions are hyper-localized, so if you move out of state, or travel out of your city, you may lose the ability to physically go to a branch of your credit union, or so you think. Bigger banks often have branches and ATMs located in most major cities. But, most credit unions participate in a network of surcharge-free ATMs, as many as 50,000+ and growing, plus shared branching capabilities. Shared branching allows credit union members the ability to visit another credit union in the network to process banking transactions. Plus, with the expansion of digital banking and adoption of technology by most credit unions, banking with a credit union is possible wherever you live, move or travel.