125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact

Checking Accounts


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:



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 the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga. For people who live outside this area, we offer savings accounts, certificates, and some loan services.

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.

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 Access 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.

Check Designs & Reordering
A variety of check designs are available. You may also conveniently
reorder checks online.

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
Deposit Rates

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Becki Hawley

I have had the pleasure of enjoying Alternatives from two perspectives but I couldn't have had one without the other.

When I knew I was moving from southwestern VA to Ithaca, NY, I knew I wanted to work at Alternatives. My partner at the time said it would be the perfect job for me. I read a little online about the mission. I didn't really understand all of it, but it sounded positive and ethical. I had worked in banking for a few years and as a community-minded individual, I thought this could be a good fit. more»

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