NEW! Pathways Checking-Follow the Path to Financial Freedom

A Pathways Checking Account is available for members who do not qualify for our regular checking account due to prior difficulties maintaining a positive account balance. We understand that there may be unforeseen circumstances causing financial hardship. In keeping with our mission of people helping people, we think that everyone deserves a second chance. Pathways Checking will help put you on the path to financial freedom.

How does Pathways Checking Work?

To be eligible for Pathways Checking, you must enroll in Get Checking. Get Checking is a class designed to help people who currently do not have a checking account with a financial institution, or have been denied a checking account at a financial institution.

What you will learn:

• How to choose an account that is right for you. 
• What you need to know to keep your checking account in balance
• How your account relationship can help you establish credit and access other services.
• How to avoid the top ten banking mistakes
• Build confidence in your money skills

Once you have completed the Get Checking course, you will receive a Certificate. To open your account, take your Certificate and all proper identification to First Alliance. Note: If you have outstanding fees from a prior account, you must settle that account before you can open a new one. First Alliance is not required to open an account if there has been evidence of fraud on a prior account, or any unpaid items are outstanding.

Features of Pathways Checking:

• $10.00 minimum balance to open the checking account.
• $10.00 fee if checking account balances falls below $10.00
• Free ATM/Debit Card
• Unlimited check writing
• $1,000 minimum to earn interest.

Important Information:

• Overdrafts: If the Pathways Checking account is overdrawn at anytime within the first 12 months of the account being open, First Alliance reserves the right to close the account immediately, or request attendance at another Get Checking Course.
• There is a $20.00 fee for NSF
• There is a $5.00 charge for returned checks.
• Direct Deposit for this account is encouraged.
• There is a $5.00 check cashing fee.
• Courtesy Pay is not available for this account.

Get Checking Course Schedule:
All classes are held at Olmsted Community Action: 2116 Campus Drive, Rochester, MN

Saturday, February 2, 2008   9:00a.m.-1:00p.m.
Saturday, March 1, 2008       9:00 a.m. - 1:00 p.m.
Saturday, April 12, 2008        9:00 a.m. -1:00 p.m.
Saturday, May 3, 2008          9:00 a.m. -1:00 p.m.
Saturday, June 7, 2008          9:00 a.m.-1:00 p.m.

For more information, please contact a Member Service Representative at (507) 288-0330 or info@firstalliancecu.com.

A First Alliance Checking Account Just Makes Sense

The Benefits:

• No Minimum Balance Requirement
• No Monthly Service Charges or Fees
• Carbon copies of checks make record-keeping easy
• Line of Credit loans available to prevent overdrafts
• Courtesy Payment
• Your first box of checks are free when you open a checking account with direct deposit
• No per check charges
• Dividends paid when average daily balance is $1,000 or greater
• Members age 62 and above receive two boxes of checks free per year

Convenience

Get unlimited access to your account information and the ability to make transactions whenever and however you'd like:

• CU Connect On-line banking: Access your accounts 24 hours a day, 7 days a week.  View your account balance, transfer funds between accounts, make loan payments and more!
• Bill Payment is a convenient service which allows you to pay your bills on-line right out of your account without ever having to write a check.
• E-Statements: Receive your monthly statements electronically every month.
• CU Secure: The protection of your financial information and the security of your on line transactions are very important to us.  CU Secure protects you from fraudulent on-line activities such as phishing and identity theft.
• ATM/Debit Cards: Make purchases or withdraw money from your checking account 24 hours a day, 7 days a week.  There is no charge for an ATM/Debit Card.