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.

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eStatements Prior to Dec. 2012 »

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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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