125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact

Check Hold Policy

IMPORTANT INFORMATION REGARDING AVAILABILITY OF FUNDS

In compliance with Regulation CC, the money from some kinds of deposits at Alternatives may not be withdrawn immediately. We will place a temporary hold on certain deposits. This will help the Credit Union reduce losses. A check written against held funds will not be paid and a fee will be charged for insufficient funds.

For all new members and Fresh Start accounts, view the check hold policy.

For all members whose accounts are 30 days or older, or graduates of Fresh Start, view the check hold policy.

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Rima Shamieh

My IDA [Individual Development Account] experience was just incredible. I saved a few bucks every week and after a year, I had a savings account with $3,000 in it! And I'm glad that the MoneyWise class was required, because it really helped me develop a healthier relationship with money. So many of the skills I learned in class seemed so obvious, but I never thought/knew how to do them until we went over them in class. For example, tracking my spending made a HUGE difference in how I now spend money. Also, the exercises in the beginning when we explored our relationships with money - I discovered I'm a carefree, spirited, impulsive spender. It helps to put a name on things.

After accruing thousands of dollars in debt from student loans from when I was an undergraduate, I was determined to do all I could to stay out of debt for when I continued my education. The IDA really helped. I feel so much better prepared to build equity and save for my future. Thanks, Alternatives!


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