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


New Account Fee, one time $20
Student Credit Union membership, one time (waived if parent is a member & signer on account)
Paper monthly or quarterly statements, per statement
eStatements Only FREE
HSA, annual $10
Official Bank Check $5
Temporary Checks
(sheet of four)
Overdraft, bounced or covered, per item $25
Overdraft Transfer from Savings, per item $5
Telephone Transfer (same 6/month limit) FREE
Return of a Deposited Check $20
Balance of all Accounts FREE
Interim statement of account activity $2
Faxes to members $1
FedEx Service
$20 plus actual Fedex charge
Account Research/Reconcilement $25/hour,
minimum 1 hour
Dormant account fee (no activity 12 months) $5/month
Stop Payment, per draft or series $25
Copies of Cleared Checks $5  
Protest of check, per occurrence $25    
International item processing (Canadian checks FREE) $20-$75
Tax Levies and Liens $50
Restraining Notices $50
Information Subpoenas $50
Photocopies, self-serve $0.10
Deposit Bag $5
Domestic Wire Transfer Out $25
Wire Transfer In $15
International Wire Out
(in U.S. currency)
International Wire Out
(in foreign currency)
Western Union Domestic $25
IRA direct transfer (funds leaving Alternatives) $25
Notary Public FREE
Address change, P.O. Returned $5  
Address change, P.O. Returned - Student Credit Union
Homebuyer's Guide to Mortgages FREE
Business Yellow Pages FREE
Check Printing $15.60 and up
(cost varies depending on style and quantity; business checks are more)



VISA Debit Fees



PIN Replacement FREE by phone or in person; $75 for expedited generic PIN
Card Replacement: First Card FREE, Subsequent Card $10
Card Replacement: Expedited $75


Ithaca Hours are accepted for many fees, including:

  • Membership
  • Loan fees
  • Automatic transfer fees
  • (Maximum $100)
  • Insufficient Funds Fee
  • (Maximum $25/per month)

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
Deposit Rates

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Hillary Albrecht, Smart Start Preschool

When I decided to open a new preschool in Trumansburg, the Business CENTS program at Alternatives was suggested by many. With the outstanding support and guidance from the Business CENTS staff, I was able to write my first business plan and secure a business loan. My preschool is now open for business, and I am confident I will be off to a successful start! The Business CENTS program has been invaluable, and I would recommend their services and banking to all. Thank you Alternatives!

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