Home















  • Phone
    (209) 444-5300 • (800) 675-5114
  • Email
    info@centralstatecu.org
  • CALL-24
    (209) 943-6803 • (800) 217-4939
  • Loans-by-Phone
    (800) 811-7424
  • Loan Central
  • Mailing Address (All Branch Offices)
    PO Box 1329, Stockton CA 95201



Checking Central
At CSCU, we know your checking account is central to your day-to-day finances. That's why we pack our checking accounts with loads of FREE standard benefits to make your life easier. Choose from Regular,Premium, Boom, Fresh Start, eCollege or VIP Checking. One is sure to match yourchecking style!

Raise Your Standards with a CSCU Checking Account

CSCU has raised the bar on checking account convenience and fee-FREE services. ALL CSCU checking accounts come with these not-so-standard features:

Not-So-Standard Features on ALL CSCU Checking Accounts*

*Some exceptions and exclusions apply to Fresh Start Checking.
**Your wireless carrier may charge your mobile phone account for Web access.
It's checking pure and simple! With a CSCU Regular Checking Account you will enjoy:
  • NO monthly service charge
  • NO minimum balance required
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!
If you tend to maintain a higher checking account balance, our Premium Checking Account is for you. Earn premium dividends the higher your balance goes and let your money work for you!
  • Tiered rates and monthly dividends*. Check out our rates.
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!

*A $5.00 fee will be charged if the average daily balance falls below $1,000.
If you are 55 or older with Direct Deposit and you have either $5,000 in savings or an active checking account (10 or more transactions per month), you qualify to receive these benefits:
  • FREE VIP checks (limit one box at a time)
  • FREE Counter Checks
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts

JOIN CSCU!
Avoid the embarrassment and cost of bouncing checks by setting up Overdraft Protection. This service ensures that a check, pre-authorized debit or Visa Check Card transaction will be honored by transferring money from your CSCU savings account or taking an advance on your line of credit or Central State Visa card.

When an overdraft transfer occurs, the overdraft information will be included on your monthly statement.

It's easy to set up. Call us at (209) 444-5300, email us info@centralstatecu.org or stop by any CSCU location to get started!
With Boom! teens ages 13 - 18 can learn financial responsibility with their first checking account, credit and debit card.
  • NO monthly service charge
  • NO minimum balance required
  • PLUS, all the great not-so-standard checking features included with all CSCU Checking accounts.

JOIN CSCU!

Note: An adult co-applicant is required for applicants younger than 18 years of age.
Start Fresh with a Fresh Start Checking Account!
CSCU's Fresh Start Checking Account is designed for people who've had previous checking account problems reported to ChexSystems and are ready for a fresh start. If you have ever tried opening a new checking account and have been denied due to your ChexSystems history, Fresh Start Checking can give you the chance to:
  • Rebuild a strong history of responsible money management
  • Save money and avoid using expensive check cashing services or other high-priced checking account options
  • Be a part of a not-for-profit financial institution that truly cares about its members and offers valuable, money-saving products and services

How Does Fresh Start Checking Work?
In order to be eligible to open a Fresh Start Checking Account and start on the path to a solid financial future:
  • Your ChexSystems record must be paid in full
  • You need to maintain a minimum balance in a CSCU Savings Account of $50 at all times
  • You need to sign up for eStatements and receive your checking account statements online
  • You need to sign up for Online Banking and manage your checking account online

Get a Fresh Start AND Enjoy Great Checking Account Benefits
For a monthly fee of $15 a month, you can re-establish your checking account history, while enjoying the following benefits and convenient services
  • Online Central Internet Banking
  • Online Central Bill Pay
  • eStatements
  • GoCSCU Mobile Banking
  • Visa® Check Card or ATM Card
  • Unlimited FREE transactions at CSCU ATMs
  • Surcharge-FREE ATM withdrawals at over 28,000 CO-OP® ATMs nationwide
  • Surcharge-FREE ATM withdrawals at all MoneyPass ATMs
  • Unlimited check writing
  • NO per-check fees
  • NO point-of-sale fees from CSCU
  • Worldwide ATM/POS access
  • Online Check Imaging
  • Online Check Reordering
  • CALL-24 bank-by-phone services
  • Direct deposit and payroll deduction

    • Make a Fresh Start Today!
    To open your Fresh Start Checking Account, stop by any CSCU branch. We look forward to being a part of your fresh start!

    If you are a college student, you can manage your money easily, electronically and economically! A CSCU eCollege Account is the educated choice with:

    To qualify for an eCollege account:
    • You need to sign up for eStatements and receive your checking account statements online
    • You need to sign up for Online Banking and manage your checking account online
    • You must be a current college student and be 25 years or younger

    JOIN CSCU!

    1CSCU will not charge a fee, but the owner of the ATM may. 2To receive surcharge reimbursements, complete the ATM fee reimbursement form. 3Your wireless carrier may charge your mobile phone account for Web access.

    NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency All content including look and feel copyright 2011 Central State Credit Union