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

Protect Yourself from Fraud

Recently, we’ve seen an increase in account fraud. As a friendly reminder, here are a few tips to help keep your funds safe and quickly identify any potentially fraudulent transactions.

  • Make sure to keep your address, email and phone number up to date so we can contact you quickly if suspicious account activity is suspected.
  • Do not write down your debit card number or PIN or share it with others.
  • View your transaction details frequently with online or mobile banking.
  • Notify the Credit Union immediately if you identify suspicious transactions on your account.
  • Download and use the State CS CardNav app. Set transaction spending limits and geographic controls and easily turn your Debit Card “off” when not using it.
  • Set up transaction alerts through the CardNav app to know each time your debit card is used.
  • Don’t respond to unsolicited emails, phone calls or text messages asking for account or debit card numbers, or other personal information.
  • Only log into online banking using our official mobile banking app linked from our website, or directly through our official website at
  • Keep your phone locked. Use fingerprint or face recognition, if available, and set screen to lock after a short period of sitting idle.
  • Choose strong, unique passwords for your devices, apps and logins for all sites.
  • Browse and shop safely online. Look for the lock button and “https” at the beginning of each website url to ensure it is a secure site.
  • Use secure Wi-Fi. It’s best not to use public Wi-Fi at all, especially when banking online.

Fraud Text Alerts Available

State CS now offers potential fraud alert notifications for debit card transactions via text messaging. If we have your cell phone number on file, a text will be sent when a suspicious transaction is flagged. You can respond “Yes” to confirm that the transaction was yours. If not, please reply “No”. Your card will be blocked to prevent further transactions and our fraud department will contact you via phone call.