Main office:  (315)785-2400  Hours: Mon – Fri 8:00am – 3:00pm.   Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm |


Managing your money and paying bills is a breeze with a FREE State CS Checking account. Whether you’re shopping with your State CS Visa Debit Card, writing a check or paying bills with free Online Bill Pay; our Checking account is simple, straightforward and convenient.

  • 4 monthly fee-free withdrawals at more than 30,000 CO-OP ATMs and 4,000 Sharenet ATMs nationwide
  • No minimum opening or balance requirement
  • Save 0.25% APR on eligible loan rates with a State CS Checking
  • Convenient Online and Mobile Banking with Bill Pay
  • Turn your debit card on/off and control spending with the CardNav app
  • Mobile check deposit through the State CS app
  • Potential fraud alert notifications for debit card transactions sent via text message
  • Overdraft Protection is available, and can link to your Savings to cover overdrafts
  • Free $1,000 Accidental Death and Dismemberment Insurance Policy

Checking Account Resources

Locate Fee-Free ATMs

Our CO-OP locator tools include:

  • Search locations online
  • Text zip code or street address to MYCOOP (692667) 
  • Download the locator app for iPhone or Android
  • Call 1-888-SITE-COOP 

To locate a fee-free Sharenet ATM, use their online search tool.

Debit Card Controls

Take real-time control over your debit card through your smartphone or tablet. The State CS CardNav app adds another level of security to your cards by letting you decide how and when they can be used, enabling you to turn you card on or off, and alerting you when any types of transactions you specify take place. 

Download the State CS CardNav App, and gain a new level of security and control over your money today.

iOS app store
google play store

Report a Lost or Stolen Debit Card

Please contact us during regular business hours. After hours, call 1-888-241-2510.

Reorder Checks

main st logo

If you have received State CS checks before and need to place a reorder, click here to order from MainStreet.

Travel Notification

If you will be traveling out of the area, please make sure to notify the credit union so that your debit card will continue to work. You can easily notify us online with the travel notification form.