125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU Contact
Fresh Start Accounts
Fresh Start Accounts
The Fresh Start Account is available for members who do not qualify for our regular account due to prior difficulties maintaining a positive account balance. We understand that there may be unforeseen circumstances causing financial hardship. In keeping with Alternatives mission to provide access to transactional services and serve the underserved, we think everyone deserves a second chance. This account offers a Fresh Start.
With a Fresh Start Account, rules governing your account are as follows:
Deposits will be subject to "exception" holds under our check hold policy for Fresh Start account holders.
If the Fresh Start account overdraws during the six month period, it may be closed immediately or the exception hold period may be extended.
The Alternatives VISA Debit Card is not available for a savings account, or for the first three months of a Fresh Start checking account. After three months of maintaining a problem-free checking account, you may apply for the Debit Card.
Only one Fresh Start Account per person. If the Fresh Start Account is closed due to overdrafts, you may not have another account with Alternatives Federal Credit Union.
Your gift to Alternatives Impact helps our community!
Before changing professions, I worked in local banks for years. They were bought out by others, so I found a bank that I thought would meet my needs. When I began to work at True Insurance, I had a Health Savings Account at Alternatives and that was it. I was impressed by the service that I received - I could always ask questions and get an answer right away. When I went to my back to get a personal loan, I was denied, so I thought I would try Alternatives. Without really even knowing me, they gave me the loan. I moved all my acccounts to Alternatives. I will always recommend Alternatives to all my clients. Best little credit union around!
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