• Branch & ATM FAQ

    • What are your locations?

      View our Kitsap Credit Union branch locations and convenient ATMs on our Locations page.

    • What are your hours?

      Our Contact Center Member Representatives are also available to help you over the phone 24 hours a day, 7 days a week. Call 1-800-422-5852.

      For our branch locations and hours, visit our Locations Page.

      Many account services are available from home. For a list of services and options, view our Service Menu.

      You can also request an appointment to sit down with one of our Member Specialists or schedule a video chat when it is convenient for you. Select “Appointment Request” on our Locations Page for the location that works best for you.

    • What holidays will you be closed?

      The Branches and offices for Kitsap Credit Union are closed on all federal holidays. Please see the Holiday Closures section on our Locations page for up-to-date holiday hours.

       

    • Should I make an appointment to visit a branch?

      It's recommended to make an appointment if you need assistance with something other than a deposit or withdrawal transaction.

      Most transactions can be done without a branch visit, and we ask that you utilize these options if at all possible. If you need to visit a branch we would encourage you to complete an Appointment Request.

      Cash withdraws can be done at ATMs, or when using your debit card to make a purchase at a store. 

      Cash deposits can be done at select ATMs or dropping it into a deposit dropbox, just make sure to label your envelope with your name, account, and contact information.

      Check deposits can be made through the Mobile Check Deposit feature in our mobile apps, at select ATMs, dropping it into a night drop box at most of our branch locations, or by mail. 

      Transfers can be made through our mobile app, online banking, and automated phone banking.

      To request an appointment complete an Appointment Request.

      You may also need:

       Branch Location and hours

    • Where are your drive thru locations?

      Our drive thru's are located at the following locations:

      Bremerton Drive Up

      6th Ave & Warren Ave Bremerton

      Monday – Friday 9am – 5pm

       

      East Bremerton

      6651 NE State Hwy 303

      Monday – Thursday 9am – 5pm

      Fridays 9am-6pm

      Saturdays 9am-1pm

       

      Naval Base Kitsap – PSNS *Base Access Required

      886 Barclay Street

      Tuesday – Thursday 11am – 3pm

       

      Port Townsend

      1165 Landes Court

      Monday – Friday 9am – 5pm

       

      Poulsbo

      19045 Hwy 305, Suite 200

      Monday – Thursday 9am – 5pm

      Fridays 9am-6pm

      Saturdays 9am-1pm

       

      Puyallup – South Hill

      11916 Meridian E.

      Monday – Friday 9am – 5pm

      Saturdays 9am-1pm

       

      Silverdale Highlands

      2041 NW Myhre Rd.

      Monday – Thursday 9am – 5pm

      Fridays 9am-6pm

      Saturdays 9am-1pm

       

      South Kitsap - Port Orchard
      393 South Kitsap Blvd
      Monday – Thursday 9am - 5pm
      Fridays 9am - 6pm
      Saturdays 9am - 1pm

    • What can I do in the drive thru?

      We are utilizing our drive thru's for most transactions including:

      • Account Deposits
      • Account Withdraws
      • Issuing Corporate Checks (Cashiers Checks)*
      • Issuing Money Orders
      • Issuing instant issue debit and credit cards¹
      • Ordering checks*
      • Account transfers*
      • Statement requests*
      • Issuing temporary checks

      *These transactions can also be accomplished by contacting us through secure chat or message in online or mobile banking and by phone call to 800-422-5852. 

      ¹Debit and credit cards can be ordered by contacting us through secure chat or message in online or mobile banking and by phone call to 800-422-5852 and can take 7-20 business days to receive.

      See also:

      Where are your drive thru locations?

    • Where is the deposit drop box located?

      Most branches have a deposit drop box for any deposits or loan payments you may have. 

      Here are the specific locations for the night drop boxes.

      Branch Deposit Drop Box Location
      Belfair To the right of the ATM.
      Bremerton Harborside  Near ATM in the parking area of the branch.
      East Bremerton Next to the walk up ATM and in Lane 1 of the drive thru.
      Gig Harbor To the left of the branch entrance.
      Kingston Outside Albertson's to the right of the store entrance.
      Naval Base Kitsap - Bangor To the left of the branch entrance.
      Naval Base Kitsap - Bremerton To the right of the branch entrance.
      Poulsbo To the left of the outside ATM.
      Port Townsend In drive thru lane.
      Port Hadlock In drive thru lane. 
      Puyallup - 176th and Meridian To the left of the branch entrance.
      Puyallup - South Hill To the left of the branch entrance next to the ATM.
      Silverdale Highlands Next to the walk up ATM to the left of the branch entrance.
      South Kitsap To the right of the branch entrance and next to the drive up ATM

       

    • Can I deposit coins?

      Yes, we would be happy to accept your coins at one of our branch locations. At this time, coins are not accepted in our ATMs. 

      If you have a large amount of coins, we ask that they be rolled standard coin wrappers. We are happy to provide them for you at our branch locations. 

      For hours and locations, visit our locations page.

       

       

    • Do you have coin counter machines?

      We do not have coin counter machines in our branches at this time.

      For large amounts of coins, we do ask that you wrap coins prior to making your deposit in a branch. No personal information should be written on the coins for your security.

      You can pick up coin wrappers at any of our branch locations.

       

    • Do you offer safe deposit boxes?

      Absolutely! We offer safe deposit boxes at the following locations:

       

      Contact us for the availability and cost of a safe deposit box today!

      Online:

      By Phone:

      • To speak with a local Member Specialist by phone 800-422-5852 24 hours a day

      In Person:

    • What is a shared branch network?

      A shared branch network is a cooperative effort between credit unions nationwide to assist each other’s members.

      Kitsap Credit Union does not currently participate in Shared Branching.  However, we are a part of the CO-OP ATM network that allows you to access your money almost anywhere at surcharge-free ATMs.

      The CO-OP ATM network offers tens of thousands of free ATMs coast to coast so there's always one near where you live, work and travel.

      Because we are CO-OP participants you can make deposits to your accounts at other credit unions through many of our ATM's too.

      You can view our branch locations and various ATM locations by going to our Locations page.

       

       

    • Where are the shared network locations?

      Kitsap Credit Union does not currently participate in Shared Branching.  However, we are a part of the CO-OP ATM network that allows you to access your money almost anywhere at surcharge-free ATMs.

      The CO-OP ATM network offers tens of thousands of surcharge-free ATMs coast to coast located where you live, work and travel.

      You can view our branch locations and various ATM locations by going to our Locations page.

    • Can I use Kitsap Credit Union as a shared branch?

      At this time, Kitsap Credit Union does not participate in Shared Branching but many of our ATMs are part of the CO-OP Network and allow for deposits. For our ATM locations, visit our locations page.

      We can help non-KCU members with some services such as issuing Corporate Checks and processing a cash advance on a credit or debit cards. These services are subject to our current fees as published on our List of Fees.

      Not yet a member?

      When you apply today, there is no minimum opening deposit required for your Primary Savings account. 

      You will also need the following information in order to complete the application:

      • Government-issued ID/Driver's license/State ID or Passport with current address
      • Current physical and mailing address
      • Social Security Number
      • Date of Birth

      Learn more About KCU.

    • Can I make a deposit through an ATM?

      Yes, you can! Many of our ATMs allow deposits of checks or cash. Look for the check-mark symbol for deposit-accepting ATMs when searching ATM locations on our Locations page.

      And remember, because Kitsap Credit Union is a member of the CO-OP shared branch network, you can often make deposits at the ATMs of other credit unions! Find a CO-OP ATM Location today.

       

      Use our mobile app to deposit checks anywhere, anytime

      Experience convenience, simplicity, and security with our Mobile Check Deposit using the Kitsap Credit Union mobile app. Just take a photo of your check on our mobile banking app, it's that easy! Plus, it eliminates the need to mail or deliver checks to Kitsap Credit Union.

      Visit our Mobile Deposit page for a step-by-step guide on how to get started.

       

    • How much can I withdraw from an ATM in one day?

      You can withdraw up to $1000 a day from an ATM. Your purchases are limited to your available account balance at the time of transaction.

      Need more cash than that? Kitsap Credit Union has 14 branch locations to serve you. For our hours and locations, visit our locations page.

      TIP: When you use your Kitsap Credit Union Debit Card to make a purchase you can also receive cash back! Simply select the cash back option while completing your transaction.

    • Are foreign ATM charges refundable, just like U.S. ATM charges?

      Foreign and international ATM charges are not eligible for refunds when Gold Checking qualifications are met. For more information about the benefits of Gold Checking, click here.

       

      Additional Information:

      Online:

      By Phone:

      • To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

      In Person:

      Our Rate & Fee Schedule will provide you with the Visa International Fee that will apply to international transactions.

       

    • How much is the fee to withdraw cash at the ATM?

      If you are a member of Kitsap Credit Union, it is free to withdraw from your Kitsap Credit Union account when you use any ATM owned by Kitsap Credit Union or any CO-OP ATM.

      A fee will be assessed to your account when you withdraw cash or make a transfer from any other ATM. The fee is based on our current Rate and Fee Schedule and is in addition to the fee charged by the ATM terminal you are using.

      Visit an ATM location near you!

      Tip: If you use your Debit card, some retailers may allow you to receive cash back when you check out. Check with each retailer for any fees they may charge for this option. 

    • When do ATM deposits become available?

      When you make a deposit, the first $225.00 of the deposit will be available immediately. The remainder of the deposit will be available by the second business day after the date of your deposit. If you make a deposit on Saturday, the next business day would be Monday. 

      Kitsap Credit Union has many convenient ATMs available to serve you, including many Smart ATMs. Cash deposits into a Smart ATM are available immediately. Check deposits into a Smart ATM would follow the same availability as listed above.

      For hours and locations, please visit our locations page.

      Did you know?

      When you use your Kitsap Credit Union Debit Card to make a purchase, you can get cash back! Simply select the cash back option while completing your transaction.

       

       

    • Which ATM networks can I use?

      For your convenience, the ATM networks that are accessible to you are listed on the back of your Debit or Credit Card. Look for the matching symbol on the ATM you're using.

      Find an ATM in our network today!

       

    • Where are your ATMs located?

      For details on our convenient ATM locations and hours, visit our Locations page. 

       

    • What do I do if the ATM does not dispense the money I asked for and the funds have been deducted from my account?

      Please contact us as soon as possible so we can start the process to dispute the transaction. There are several options for you to contact us:

      Online:

      By Phone:

      • To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

      In Person:

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