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!
Express Employment Professionals, Kathy Nivison
With a background of 15 years in Human Resources, Kathy Nivison started
up the Ithaca office of Express Employment Professionals to better serve
local employment and recruiting needs. Kathy approached Alternatives for
a business loan, and was impressed with both the loan's low interest
rate, as well as the quick response from Bob Anderson, the business loan
officer at Alternatives.
Kathy took advantage of our "Women and Minority" subsidized loan, which
helps women and minority borrowers who have a minimum of one year in
business and are looking for assistance with continued growth and expansion.
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