“Alternatives is always supportive and a great resource. They have helped me in many ways, both personal finances and business.”
There is no no better place to start than with basic checking. This account gives you exactly what you need — without any monthly fees or minimum balance requirements.
We believe that everyone deserves a second chance to start over financially. Take advantage of this free account and get started on your new journey today.
*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.
Be ready for your next check-up with a tax-advantaged* HSA. It works with your high-deductible health plan (HDHP) to help you pay for medical expenses as they arise.
*Consult a tax advisor.
**You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 10% penalty.
Imagine getting through life without ever having to dig for change or write a check. Use your free Alternatives VISA® Debit Card for any purchase — whether at home or abroad.
A combination debit and credit card, the Alternatives VISA Debit Card with Line of Credit provides access to your Alternatives checking account and a credit line for when you are short on funds.