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Alternatives will be closed Monday, November 11th in honor of Veterans' Day

We will reopen normal business hours on Tuesday, November 12th. Access you account 24/7 through online banking and our mobile app.

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Routing #: 221381867

Fresh Start Checking Account

We believe that everyone deserves a chance to start over financially if you have had issues with checking accounts in the past.

Open an Account

Details

  • Rebuild your credit
  • No monthly service fee
  • No minimum balance requirements
  • Unlimited check writing
  • Free online access
  • Free mobile access
  • Free eStatements
  • No minimum deposit to open
  • Access to over 30,000 ATMs and 5,600 shared branches via the CO-OP Network

* Deposits for Fresh Start account holders will be subject to “exception” holds under our check hold policy. The Alternatives VISA Debit Card is available immediately for Fresh Start account holders. If the Fresh Start account is overdrawn during the six-month period, it may be closed immediately, or the exception hold period may be extended. Only one Fresh Start Account is allowed per person. If the Fresh Start Account is closed due to overdrafts, you may still be considered for another account with Alternatives Federal Credit Union in the future.

Support Our Mission!

Unlike traditional banks, we specialize in lending to individuals, organizations, and businesses in under-resourced communities, offering financial education, business coaching, and low-interest rate loans that increase economic potential and help build wealth.

Join Us!

Speak with a Financial Coach

No need to figure it out yourself, coaches can provide help with money management, paying bills, building credit and housing issues. Speak with a financial coach through our non-profit partner, Balance.

Schedule an Appointment