MEMBER PROFILE

Amy Walton

Amy Walton got a loan for a new car before she started looking. “I called the Anytime LoanPhone. It only took 10 minutes and I was tentatively approved right away, pending confirmation of my information. When I found the car I wanted, the dealer told me I could get a better rate through dealer financing. He made me an offer that was ¾ % less than my Alternatives loan. I called Amy Smith, my loan officer, and she matched that rate immediately. I had no idea that Alternatives has a policy of matching rates to stay competitive. I was really glad. This policy allowed me to keep all my banking at Alternatives.”

SHARE DRAFT = CHECKING

Whatever you call it, share draft or checking, ours is better than most; the best around, for many people. Why is it better than a bank checking account? It features:

NO PER CHECKING/SHARE DRAFT FEES
CARBONLESS COPIES OF EACH SHARE DRAFT

To withdraw money or pay a bill you just write a check.

We offer checking accounts to anyone who lives in Ithaca, Tompkins County and adjacent counties. For people who live outside this area, we offer savings accounts, certificates and some loan services. Many of our services, including checking accounts, are also available to people who live in upstate New York north of New York City.

Carbonless copies
Our checks have a unique feature, a carbonless form which registers all the information written on the original draft. These copies should be saved and used to reconcile your statement. Paid checks are not returned. We have found it is unnecessary to return paid checks since the account can be reconciled using the statement and the carbonless copies. Proof of payment can be established by receipt from the payee or by using the carbonless copy in conjunction with the statement showing the check has cleared. In the occasional circumstance where further proof becomes necessary, checks are microfilmed and stored as a permanent record off-site, and can be obtained for a fee from the Credit Union.

Statements
Each member will be provided with a statement of all accounts prepared on the last day of each month. eStatements are free and can be easily accessed via our Online Member Services area.  Paper statements that are mailed at the beginning of each month will incur a $2 monthly fee.

Member Responsibility
Members are expected to use extreme care in using a checking account. If control over the checks is lost in any way (such as theft, loss, or unauthorized use) the Credit Union should be promptly notified so that stop payments can be issued. It is essential that members reconcile their account to their statement every month.

Overdraft Protection
The Credit Union offers overdraft protection to eligible members by application. This feature covers overdrafts by advancing funds from the line of credit account, up to an approved credit limit.

Check Designs & Re-ordering
A variety of check designs are available. You may also conveniently re-order checks online or by phone at 800-275-1053.