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

Check Hold Policy

Discretionary Overdraft Privilege Policy | Overdraft Privilege | Check Hold Policy

IMPORTANT INFORMATION REGARDING “AVAILABILITY OF FUNDS”

In compliance with Regulation CC, the money from some kinds of deposits at Alternatives may not be withdrawn immediately. We will place a temporary “hold” on certain deposits. This will help the Credit Union reduce losses. A check written against “held” funds will not be paid and a fee will be charged for insufficient funds.

 

1) All checks are considered "local" as of February 27, 2010. That will reduce the hold time for many checks.
2) Funds immediately available from a check deposit is $200.

For all new members and Fresh Start accounts, view the check hold policy.

For all members whose accounts are 30 days or older, or graduates of Fresh Start, view the check hold policy.

 

Online Services

BillPay@home »

Loan Rates

Deposit Rates


Donate »

Help us help our community through the Alternatives Venture Fund

Pat and Jackie Moe, Finger Lakes Beverage Center

My wife Jackie, my son Nicholas and I saw the need for a business offering a wide variety of beverages that appealed to all ethnic groups. The Beverage Center meets this need. We offer a wide variety of beers and gourmet sodas. Our customers can mix and match, special order and even take home draft beer through our Growlers System. We’re excited about this new business venture and we have Alternatives to thank for it. Getting a loan at Alternatives has been a tremendous experience. They’ve been cooperative, supportive and enthusiastic about our business. Their ideas have been helpful. We really appreciate the entire Alternatives staff. We’re glad to be a business supported by Alternatives. They’ve certainly made a difference for us.


Alternatives
Financial
Education »

Discover how you can gain control of your finances...
Alternatives Federal Credit Union ("Alternatives") provides a hyperlink to Google Translate™ for convenience only and without any responsibility for the accuracy of translations. Alternatives has no control over this unrelated, free and entirely computerized translation program. Computerized translations are only an attempted approximation of the website’s original content and thus Alternatives makes no representations or warranties of any kind with respect to the accuracy, reliability or completeness of any translations. Persons using translated information do so at their own risk.