My advice to others would be to not move all your money at once and to keep your old account open for 2-3 months before finally closing it. Make sure to check your browser's security add-ons like NoScript and adblockers. It made me answer more security questions (What's your favorite number on the alphabet? 31.3k. You can see this mentioned on their Twitter feed here, here, and here. I'll still keep our savings with ally because we already have one and the high savings yield is pretty good. 3rd one worked, but all in all took 3 weeks. 243 reviews of Alliant Credit Union - Temp. Customer service is such a pain. Ally didn't list a minimum that I was able to find, Alliant requires a minimum of $1,000. They've been staying competitive with their savings rate (2% currently) and their checking has a rate of 0.65% which is nice. Though once I uploaded the requested info, they unfroze my account immediately. Press question mark to learn the rest of the keyboard shortcuts. Alliant Credit Union has been god awful for the last 8 months that I've been using them. Their online phone and email support was also prompt. They do raise their interest rate on the savings accounts to be relatively competitive with the other online banks, but they won't be the first to do it. After doing some research, my SO and I decided to switch from Wellsfargo to Alliant Credit Union. Speaking of payments. Had to call Alliant to add me to the account. Chanelle Bessette August 23, 2020. I think most of the bad reviews are related to their risk adverse stance on things. It's super frustrating. Took 3-5 days to verify, Requested for a debit card. Yeah I’ve actually only heard good things when I searched for Alliant on this subreddit so I went for it. We finally got the account number. Are we just unlucky with our issues or should we jump ship? But sf cc means I have to live or work In sF area. I'm not trying to convince you one way or the other; however, there's no perfect place. Alliant Credit Union is a not-for-profit financial cooperative, which means that all of its members are also owners. Alliant Credit Union is a not-for-profit, member-owned financial institution that has been around for more than 80 years. The credit union does not offer USDA, VA or FHA loans. Is there anyone here who is familiar with Alliant Credit Union? A far better alternative than dealing with the large conglomerate banks e.g. It isn't the Jetsons, but it is usable. If you’re interested in obtaining a money market account from a credit union, your best bet is to check locally. However, imagine what would happen if I had checks and other autodrafts pending while this was going on and I didn't have money at my other bank to pay them because Alliant froze my account. we've decided to give alliant another go right now, so far it's been ok. the only issue is it keeps locking my husband out when he's answering the security questions. It’ll suck to not have the 0.65% interest but the joint account issue is a dealbreaker for me. You'll find plenty of negative stuff about Ally just like you will Alliant. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Sometimes you have to click "skip" a couple of questions before you get to one that you're familiar with. We already had a high yield savings with Ally, but decided on Alliant because they offer 0.65% monthly interest on checking accounts. I've had a joint account with Alliant for around three years now and I've had no issues. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. It rates #1 on their credit union recommendations, New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. and that human actually has the power to help you unlike at Ally (which is why I eventually left heh). Had to request for another one but that one also got lost. With Alliant I have a checking, savings, emergency fund and a credit card with them. Admittedly, I only shop there once every 2-3 months and it's the only place I use my debit card (they don't accept credit) because I use credit whenever I can, but I've paid with my Alliant card there numerous times in the past and it's not far from where I live, so I have no idea why that was suddenly deemed suspicious activity.Later on when I was trying to identify the number that texted me, I tried texting it HELP and it took 15 minutes for it to reply back. Sign up was easy, over the phone. 4/5 or 4.5/5 IMO. (The first set when opening the account is free at both, ordering more and getting them free is not as streamlined at Alliant as it is at Ally if I remember correctly--it has been awhile for Ally though). There is a way to get the checks for free (super basic ones heh) just be careful when ordering through their partner site as there are quite a few upsells to avoid if you don't want to pay money for them. I'm looking to move to a bank/credit union with higher rates, and Alliant sounds really great in that regard. Loggin in as a joint owner. We may just stay with Ally though. The union was founded in 1935 and is one of the largest credit unions in the nation, based on assets and deposits. Didn't get it after 1 week. I've had one problem with them in the years I've used them and they (eventually) made it right. Ok. It did the same when I was trying to pay my citi card. When a paper check does go out it DOES NOT have my account and routing number on it. I'm looking to move to a bank/credit union with higher rates, and Alliant sounds really great in that regard. Called Alliant and they said to wait a few more days since it has been sent out. I recently financed my car loan from here and had a great experience. The banking web interface is decent. 241 reviews of Alliant Credit Union - Temp. Best decision ever. Press question mark to learn the rest of the keyboard shortcuts. The few times I’ve called customer support I have always have had a human answer within a few minutes sometimes even less. Press J to jump to the feed. Alliant actually sent us a letter saying that the payment was delayed because we have to "update your account information with the originator of the transaction." Most websites don't work with their verification, requiring more calls in to customer service. CLOSED "These guys are the best place to go for outstanding customer service, web-banking and best loan rates (including car loans, home equity loans and mortgages). There are a lot of bad reviews on yelp and nerdwallet, however, so I'd be interested in hearing feedback.It definitely seems that the reviews are very polarized, and I'm tempted to think that people with bad experiences are much more likely to leave a review than those with good. I recently financed my car loan from here and had a great experience. Alliant Credit Union’s above average rates and broad membership criteria make it worth considering. I haven’t had a problem with Alliant yet. Their phone customer service is not available 24/7 which kind of sucks (Ally is 24/7 IIRC) but when they are open you get to a human quickly (I think they are US based CS?) BBB accredited since 4/1/2004. I have accounts at Ally, Discover, Alliant and a few other online and local banks. Super easy to deposit checks via mobile, find an atm in the app to pull out money or find those atms that accept money deposits. Alliant Credit Union - Read unbiased reviews of Alliant Credit Union, rated 4.6 out of 5 stars by 87 users That's a feature Ally's billpay doesn't utilize for paper checks. After quite a few minutes and attempts at this I received a text from a mystery number asking me to approve unusual activity on my account. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. It was through, oddly enough, a "Tell your friends and family about Alliant" email that I received this morning that I learned that Alliant recently lowered their rates: the savings rate is back down to 1.90% and the checking is down to 0.45%, marking the first time I've seen the checking rate change since I've been a member. However, when I checked online, my account was paid. The lady said she couldn't help me, I'd have to call back during business hours. There's been a few things, though, in recent weeks that have really given me pause... A few weeks ago the web version of the account access was completely unresponsive for a few hours. There are a lot of good credit unions out there. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. Anyway, I did eventually get a written notice of them freezing my account, but it was about 7 or so days after they had actually frozen the account. Citibank, Bank of America etc." Just wanted to list the problems we've had to see if anyone experienced the same: Opened 1st account, couldn't log in. 57 reviews from Alliant Credit Union employees about Alliant Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. thanks for your input. It's so crazy because I found Alliant today on nerdwallet. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. When I signed up with Ally and Discover, I didn't need to submit photo ID, a utility bill in my name and address and social security card. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. Alliant Credit Union Review: Checking, Savings and CDs. You can find more Alliant Credit Union reviews at other review sites as well. Alliant Credit Union is an online credit union that offers a full range of products and services. Originally founded in 1935, as the United Airlines Employees' Credit Union, it has since grown to be one of the largest credit unions in the U.S., with more than 500,000 members and $12 billion in assets. I would say that my experience with Alliant is on par with Ally with one major exception. I clicked, filled out my info, and got the message "Sorry your information doesn't match our records." Alliant earns 4 of 5 stars on this factor. Not exactly "real time" messaging. I've also financed a car with them and it was seamless and easy. At the end of the day I just prefer my funds support a member-owned institution over any bank. Alliant Credit Union’s high-yield savings account is among the best savings accounts nationwide. But I ran into issues when I tried paying for bills while SO was at work. If you spend enough to justify the annual fee, it is the highest general cashback card that doesn't have other requirements(2.5% after the first year). I’ve been with alliant for about 3 years. They said that even if you're a joint owner, you can only see your account by using the other person's login. Happened multiple times. I always do pull when paying bills, never push. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Tried paying some bills. I responded YES and then everything worked. I actually like the app besides the security questions. I’ve had a car loan and mortgage through them as well with no issues. Not sure why I’m getting downvoted already but I’m honestly a bit stressed out. I do like that Alliant's minimum CD length is 1 year, where Ally's is 2 years. Alliant is my first credit union experience and honestly it’s been pretty flawless for the most part. In most cases, you … Online, it stated that the joint onwer may wish to have their own login but they'll have to become a member, so I did. It definitely seems that the reviews are very polarized, and I'm tempted to think that people with bad experiences are much more likely to leave a review than those with good. When I called them up, they informed me of the ID, SS card and utility bill requirement. I called back the next day and the rep told me that they send out this email to everyone who signs up, but only those who sign up BY PAPER would have to follow the link. Every month I pay bills and every month I get a letter In The mail a week later saying I need to verify my account again eve though the payment already went through. Got the CC because of the great cash back, but the card is 100% unusable. Another frustrating thing. Thanks! It also regularly receives high ratings for safety and soundness by … Wow, not sure why it's rated so low in your links, I wouldn't rate it 5/5 blows my mind but they're fine and better than most. Alliant Credit Union offers a wide range of both specialty and traditional mortgage products. I was getting frustrated with the difficulty logging into our joint account using my husband's login info because of the security questions. I understand your frustration with a single login for a joint account; however, it turned out to be no issue in our case. "But I thought this phone number is 24/7?" Overall though no real problems with them, check deposits through app and scan at home have been available instantly and they refund ATM fees. I've used Wellsfargo for 10+ years without issues, but I don't like what they've done in the past. Members. Citibank, Bank of America etc." Alliant has a relatively good reputation online, currently holding a BBB accreditation and A+ rating with them. I was doing self-checkout at a store last week and the card reader kept failing; if I inserted the chip it'd tell me to swipe it, and when I swiped it it'd tell me to insert the chip. Doesn’t make any sense. If you bank with Alliant, what are your thoughts? After doing some research, my SO and I decided to switch from Wellsfargo to Alliant Credit Union. I feel you. I got an email to confirm that I want to be a joint owner. Also with Ally are you guys able to have your own logins and see your joint account? No issues here. There are a lot of bad reviews on yelp and nerdwallet, however, so I'd be interested in hearing feedback. Alliant Credit Union does not offer any money market accounts. So overall I would recommend alliant or any other online credit union I see get mentioned here from time to time. Reviews from Alliant Credit Union employees about working as a Member Services Representative at Alliant Credit Union. A free inside look at company reviews and salaries posted anonymously by employees. Trying to get my finances in order and issues with the credit union itself is not helping. Account was in SO's name, but it's our joint account, so we added my info to become joint. Setting up the phone 2FA seems to have eliminated the security questions for me. $20 vs $10. I've banked with both and both were fine for me; however, when you get into loan products and credit card offerings I think Alliant does far better job with terms and service. I was looking for a new CC recently and almost applied for an Alliant card but was scared off by lots of people having very similar problems to what you are having. Did you open your saving account as a requirement for the credit card? I've never seen that happen before. Though technically located in Illinois, Alliant Credit Union is open to members nationwide. I'm in the same boat. Perhaps you should reconsider your other options. I chose alliant because of the co-op branch network, free atm usage, and good interest rates in checking. Absolutely love them. Going to stick with Ally as they have been fantastic. In that time I believe I've seen the app get a major revamp and the savings rate balloon from 0.95% to 2.10%. Yes! Some people LOVE Alliant, but I've heard of more problems than I'd be comfortable with. ), and my HSA which is just a specialized savings account. All in all a fine choice for having all your accounts parked in one place. ... commercial or consumer, come on in. Are you kidding me? Requested a debit card for me, the joint owner. Alliant Credit Union HELOCs: Customer reviews. The only problem I had now that I think of it was once I went to an atm inside a stater brothers to deposit money and it pretty much took my money without it putting into my account the system goofed or something (this wasn’t Alliants fault, it was the atm inside this grocery store) I called Alliant and they somehow gave me a temporary deposit while they figured out what the hell happened during my atm transaction. That being said, I’m the only name on the account and I primarily do my banking/bill pay through the app or in person at a branch so that may be why. Granted, that's still many times better than most banks, but it's not encouraging to see it move in the wrong direction. I would like to know as well! I've had issues with the security questions, but they eventually remembered my PC and so I haven't seen any in a long while. I opened up Checking Account, a Savings Account (for an added cash bonus! Never had an issue doing pulls. Love the app. I needed our account number to set up bill pay, and it won't show it to me even though I was already logged in. I've been a member of Alliant Credit Union for 15 years. Thanks! They currently have over 335,000 members across the United States and have over $9.3 billion in … What's your favorite constellation?). I've recommended Alliant to a few people based on their great rates (at one point there was a span of something like 8 months where 6 of those months saw a rate increase), no fees/minimum balances, and ATM coverage/reimbursement. Given the … I can appreciate that. 61 reviews from Alliant Credit Union employees about Alliant Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. Their bill pay works well and they take the money out that night (it doesn't necessarily get to the provider that fast :P) which helps w/ confusion/bugeting for me whereas previous banks didn't take the money out until the provider was paid--the few .00001 cents or whatever of interest I'm losing out on by them doing it that way is worth the peace of mind for me. (To be fair, this all might be Visa's fault - not Alliant's - but since Alliant uses Visa it did negatively impact my Alliant experience.). Join our community, read the PF Wiki, and get on top of your finances! I've had Alliant for four years and haven't had any problems with my solo login or payee-initiated bill payments. We’re looking to switch as well. Billpay has worked great for me and nearly all payments end up being electronic instead of a paper check. I recently financed my car loan from here and had a great experience. A Quick Background of Alliant Credit Union They are not the oldest credit union, having been founded in 1935, but they have made a huge impact and seen significant growth in the past 80 years. I did some searching online and found Alliant Credit Union, which had excellent reviews. It looks like Alliant has double the monthly ATM free reimbursement over Ally,. They sent me a card with a broken chip, and haven't sent a replacement yet. Reviews from Alliant Credit Union employees about Alliant Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. Found out through.. you guessed it, by calling Alliant customer service. I think bill pay is the wrong term because that means push but I go to my credit card’s account, like chase or citi, and use that to pay bills. Alliant has been great for the past 6 or so months I've been with them. They straight up locked the use of my card 12 times in these last eight months, but have never once told me why. Personally, I've never given Alliant a try because they haven't ever offered anything compelling enough over their competition. I circumvented this by using Alliant exclusively through a phone app, because on my iphone I can log in with fingerprint and it doesn't ask any questions. CDs. After some searching I found no mention of that number in Alliant's documentation, but another bank's website identified it as Visa cardholder services. I have been locked out of my account so I can't check my balance. Sometimes the automated system just drops the call. Ditto. Also Alliant doesn't let you, at least for me, to add a beneficiary to your checking account through their online website. I've never used their checking, but if they had a higher interest rate, or did 1% cashback checking I would probably switch. If so, is that the high yield one (2%)? We've had the account for 4 months now, and so far we're not super satisfied with it. So much for security. Thanks. What did you end up using? If they are unable to provide a functioning system in the year 2020, they need to stop wasting everyone's time. After I created my own login, Alliant sent me an email saying I have to follow a link to complete the application. Every call into customer service is an hour, or no response. A far better alternative than dealing with the large conglomerate banks e.g. It wanted to send a few cents to my account for security purposes before it sends the payment. They aren't going to raise your limit every few years like some banks unless you ask for it. the problem is that he answered 6 out of the 19 security questions initially (because they only require you to answer 6), but it seems like they rotate through the 19 questions when we are trying to get our account number so we could set up payment through our credit cards and stuff. In the meantime I couldn't access my money or pay bills. Have checking, savings, car loan and credit card through them. Its members-first philosophy has always served Alliant well. For our car payment, it said that it didn't recognize the account, so Alliant wanted to send 5 cents to that account to make sure that we own it, then it paid the bill a day later. 212. Opened an account, only to find out that they cannot show my joint account on my login page. Alliant Credit Union provides conventional mortgages, including fixed- and adjustable-rate loans. So I guess if you want to use them, have those items ready in case they request them. That's my take so far. Fortunately the otherside didn't penalize me and I was able to pay them through my Ally account. They had my SO answered 6 out of 19 questions when you first sign up for an account, BUT during loggin in, they could ask you any of those 19 questions. It pays a top-tier APY, rewarding members for keeping their savings with the credit union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Online. Holy moly. A far better alternative than dealing with the large conglomerate banks e.g. 129 Alliant Credit Union reviews. Interest rates rise constantly on my savings. Why did you choose Alliant? This is what we might end up doing. I have their cash back CC, which doesn’t get talked about often enough here. I use my SO's log in, but everytime you log in they ask you a security question to make sure you're you. CLOSED "These guys are the best place to go for outstanding customer service, web-banking and best loan rates (including car loans, home equity loans and mortgages). I’ve been with Alliant for many many years and have honestly never had issues. Alliant Credit Union is an online credit union with a wide range of services, low fees, and competitive interest rates. I have Alliant due to the higher interest I earn on the account. Join our community, read the PF Wiki, and get on top of your finances! Alliant Credit Union currently has a Better Business Bureau (BBB) rating of A+, which is an indicator of great customer service. When you’re paying a new bill, does it delay it because alliant wants to confirm that this is an account you own? My wife and I tried opening a joint checking/savings account with Alliant earlier this year. Alliant Credit Union Review: Checking, Savings, CD and IRA Accounts. The whole online experience is great I don’t need a physical bank to do any of my business. I left Wells Fargo for Alliant. However, the Alliant Advantage Mortgage program has a 0% down payment option for first-time homebuyers and a 5% down payment option without private mortgage insurance. Their 2% cash back credit card has been useful for all the miscellaneous purchases that aren't covered by other credit card spending categories. I try to ask if they can dial back the fraud protection, and they tell me no, I have to call them in advance to someone can flag the account the day I plan to make a purchase. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. I do pull. We already had a high yield savings with Ally, but decided on Alliant because they offer 0.65% monthly interest on checking accounts. Not all credit unions offer this product, and most credit unions only serve a specific area. When the clerk came over he said it kept getting rejected due to possible fraud. Most were related to poor/non-existent customer service and dated systems. But because this was the first time I’m paying, alliant delayed it. Top posts january 24th 2018 Top posts of january, 2018 Top posts 2018. help Reddit App Reddit coins Reddit premium Reddit gifts. Credit unions are becoming more popular for consumers because they typically offer lower interest rates on auto and home loans, have stellar customer service, and are generally on par with their banking counterparts.. Today we will look at the award-winning Alliant Credit Union based out of Chicago, which offers a high yield checking account, savings accounts, and impressive rewards credit … I know there are other banks that offer high interest checking so I’ll have to do some research.