I was an acct holder for well over a decade. I was injured at work and unable to work, and with labor & industry playing there usual games, I hadn't had a time loss check in 5 months when a charge from an acct I had forgotten left my Alliant Cu checking acct overdrawn. I contacted Alliant Cu and made them aware of my situation and told them I would get the debt (32.00 overdraft) covered. I sold some personal items in an effort to quickly take care of the issue. They closed my acct before the 60.00 made it there! (one week!). The bank rep told me "You can always re-apply for an acct" I hung up! G'bye and Good riddance!
I've been with Alliant for almost 2 years and I'm going to be changing banks ASAP. Very disappointed in just about every aspect of my experience so far. They don't treat customers like customers..
I switched to Alliant a little less than a year ago, after deciding to move away from big banks and go to a CU instead. Opening up my checking and savings accounts went smoothly -- it was really easy to use the app to deposit the checks I wrote out to myself, in order to transfer funds to my new accounts from the old bank. Since then, it has been fuss-free regular banking, with the knowledge that I'm also earning relatively high interest on both my savings and checking. The app and website are user friendly, I'm able to use any ATM and if there are fees, Alliant will instantly reimburse them up to $25 each month, and customer service reps have generally been easily reachable and helpful. However, I just needed to sign a lease to a new apartment and I've had significant frustration in getting the money that I needed for the security/1st month/broker fee when I needed it. To the point that I am thinking of switching to another institution. Alliant doesn't have a brick-and-mortar or partnering institution anywhere near me, so I wasn't able to get a certified bank check. They told me they could send a bank check to me, but it would take time to process and mail... and they only mail via regular first class. With my time constraint to get the payment for lease signing, this was not an option. So I needed to go the money order route. Unfortunately, Alliant has pretty low limits on how much money you can withdraw or debit each day ($1000 for each per day), so I was only able to partially get the payment that I needed. And I am now having to spread out my withdrawals and debit charges over a 3 day period. Instead of one trip and one transaction... I'm having to do 3 withdrawals and 3 debits, with 3 days of trips to the post office. This has been an absolutely ridiculous and time-consuming experience, on top of all of the other stress that comes along with moving. I realize that this situation is an exception for me, since I don't usually need to withdraw so much at once. But it does make me nervous about what might happen in an emergency, and if I need to go through getting a new apartment again or another large payment. I have more than enough money in my account, and I really don't appreciate a bank telling me that I can't access my funds when I need them and for however much I need.
This credit union is Outstanding! Range of products, services and financial instruments is extensive, rates are good and customer service is great. This is something of a "virtual" credit union, meaning that you're not really joining in hopes of conducting business at your local branch. It's available anywhere in America, and the website (and app) make that very easy. Compared to any other credit unions I've dealt with, Alliant's website (and tools therein) are better than most ... this goes for the Mobile App as well. ACH Transfers are FAST, and linking of external accounts is easy. If all that isn't enough, your membership with Alliant Credit Union comes with a Life Insurance Policy of $2000.00 for Accidental Death & Dismemberment and this is completely free to the customer / member. It's administered through TruStage and all you have to do is claim it.
I like Alliant CU, because their customer service is great, but they have to improve ATM system and update their mobile app cause when you look at it, it's look like designed 2-3 years ago and it's really disappointing.
Alliant is great! First, because they haven't paid BILLIONS of fines for fraud, unlike ALL of the money center banks. Second, their iPhone app is great. (Well almost great. There is a bug that I have tried to get fixed in their bill pay section. It won't populate any of my payees. The functions work great on the website, however). Great help from CS too. Recommend but please fix the app soon.
I've been with Alliant Credit Union for a few years now and they have always been very good to me. I have had so many bad experiences with other major big name banks that I started looking into smaller more local banks. Credit unions were the way to go for me. No crazy fees they try to rip you off with. Great customer service from people who actually care about you and whatever issue you're having. I'm glad I signed up with them and I recommend them to friends all the time.
As an individual with limited banking needs, Alliant has been great. With what little checks I receive, I can easily deposit them online and mail them the original using the envelopes they provide. They offer many ATMS in my area with no fee for withdrawals and several that allow deposits, making it even easier. Bill pay is incredibly easy. It is also easy to set up another bank account in order to transfer funds. Although there isn't an actual bank anywhere near me, I've never had any issues and never considered leaving them, not even after the divorce and I had to get a new checking/savings account! Being a credit union, it is pleasing to see the interest deposited into my account each month. Two thumbs up for ACU!
Let me start this review with a statement: I have never ever paid a bank fee, and never will. This said, Alliant Credit Union does a lot more than just free banking for me: it pays me for banking there. A step further than free banking, finding a bank that pays a decent interest rate on your checking balance can be quite challenging. Most of them charge you, some don't, and a few pay peanuts. However, some hidden gem do pay well. Simply put, Alliant is the best paying one that: 1 - is open to EVERYBODY ( you don't need the usual crap of positive discrimination requirements like your grandmother to be a lesbian firefighter or your father to be an amputee veteran). and 2- is STRAIGHTFORWARD with fees, interest rates paid to you, and other conditions. Most other unions and or/banks will lure you with a bait interest rate that will apply only for a certain time (usually 3 months) or a certain amount (usually south of $20,000) which, once you do the maths, ends up not being so great at all. Alliant credit union is FREE no matter what (no annual fee, no direct deposit, no minimum balance, no crap). They WELCOME YOU no matter what (we got a nice free $$$ for joining and on top of that pretty much anybody can join) and they PAY YOU no matter what (no minimum or maximum balance, no interest rate change after a certain time or certain amount). That is my kind of credit union. Oh, AND: - they offer free check AND CASH deposit in pretty much any ATM, which is as useful as it is unusual for banks offering the kind of perks Alliant does offer. - they have plenty of other products attractively priced (loans, etc.) The only thing I haven't been fond of so far is that some representatives seem to be a little lost when talking to them on the phone. But still, I never had a problem and always ended up getting my answers. How traditional robbers, pardon me, banks, still manage to retain customers is a mystery to me.
I switched over because I was tired of getting hit with fees from the big banks. Alliant proved to be a good match as I was charged anything out of the ordinary. I was impressed with their customer service as well. It is a drastic change from the larger banks. I would definitely recommend them if you are looking for something different in the Chicago area.
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.