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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Your gift to Alternatives Impact helps our community!

The Nutritional Wellness Center

The Nutritional Wellness Center is celebrating its eighth year in business. We started on the right foot in 2006 by attending the Business CENTS program and by receiving a business loan. So far we have helped over 1,000 people on their journey to optimal health. Our mission is to help as many people as humanly possible be healthier and happier without the use of unnecessary drugs or surgery. Thank you Alternatives for your support along the way!

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