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!
It is very satisfying to have a way to put in writing how well I have been treated at Alternatives Federal Credit Union since I first moved to Ithaca over 20 years ago. It is not just the philosophy and community mindedness that impresses me, but that no matter what questions I have, if the employee does not know the answer at that time, that person finds someone who does, so that I am reassured when the conversation is over.
In this busy, over-stressed society, I am glad that I have a financial institution that makes intentional choices to work with the individual with resolutions that effect the individual's well-being, as well as the whole community and beyond.
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