NEW SATURDAY BRANCH HOURS BEGINNING 1/7/2023: Our Saturday hours beginning January 7th will now be 9am to 12pm. You can access your accounts virtually 24 hours a day, 7 days a week using Virtual Branch Online Banking, our mobile app, PAT (your personal automated teller) and using the nearly 30,000 CO-OP ATM locations available nationwide.

24/7 Account Access

You need a financial institution you can count on - wherever you live, work or play and on your time. That's why School Systems FCU offers a variety of ways for you to access your accounts as you need to.

PAT - Your Personal Automated Teller

Using this touch-tone telephone teller, you can access your accounts anytime to check balances, retrieve transaction history, transfer funds between accounts and even request a check withdrawal. To reach PAT, dial 518.456.1611 Albany or 518.286.1611 Troy and choose option 6.

Virtual Branch / BillPay

Save yourself time and gas money! With the latest technology at your finger tips, it's like having a branch in your own living room or wherever there's internet access. Check your balances, setup one time or recurring transfers, view transaction history, make payments on your credit union loans and more. Plus with our optional BillPay service, you can pay all your bills electronically either as needed or on a recurring basis. To setup Virtual Branch or login to your existing Virtual Branch accounts, click here.

Virtual Lending

Apply online for School Systems FCU low rate loans at your convenience and from wherever there's internet access. To apply for a loan now, click here.

Nearly 30,000 Surcharge-free ATM Locations Nationwide

As a member of a CO-OP Network credit union, your ATM or VISA Debit Card provides you with surcharge-free access to nearly 30,000 ATMs nationwide. This includes 9,000 deposit-taking ATMs and 5,500 7-Eleven locations (throughout the U.S. & Canada). To search for CO-OP ATM locations near you, click here.


Stop the endless paper clutter with eStatements - the safe, convenient and green way to view your School Systems FCU account statements. When you sign up for eStatements you will begin receiving your account statement online instead of in the mail. An email notification will be sent to you each month when your statement is available to view online. You can view up to 6 months worth of statement history (when you have been enrolled at least six statement cycles). To sign up for eStatements or view your existing eStatements accounts, login to Virtual Branch.

Mobile Money

Introducing the next step in banking convenience - Mobile Money! Now School Systems FCU is even more accessible for your everyday banking needs. Mobile Money lets you conduct account inquiries, transactions and even pay bills. It's unlimited in convenience and available FREE from the credit union (when using SMS text messaging, standard text fees from your wireless carrier will apply). To sign up for Mobile Money or to make changes to your existing settings, login to Virtual Branch.

Co-Op Shared Branch

With over 5,000 locations nationwide your credit union will be wherever you decide to go.

Study Hall

A place for you to come and explore a wide range of financial topics. Let us be your trusted source of honest and easy to understand financial advice.

Kasasa Care

Whether you’re looking to get a jump on Open Enrollment or get protection for your belongings or identity, we’re here to do the heavy lifting.

Foreign Currency

Traveling out of the country? Order your foreign currency ahead of time with eZforex.

Learning Center

Browse resources, links and information to help you manage your finances.