Alliant Credit UnionReviews of alliantcreditunion.org

Pros The bank has no fees, which is awesome, especially in today's world. Customer service is available and can be helpful at times. You get paid one day early, not two days early as advertised. They need to correct this. Cons If you have any disputed transactions, you're better off handling them yourself because their disputes department is lackluster. They don't document cases properly, and they aren't very helpful. There are a lot of account restrictions when opening new accounts. Overall If you're looking for a bank account with no fees and easy access, then Alliant is a great option. However, if you need assistance with your account or help resolving disputed transactions, you're largely on your own.

UPDATE: My funds were released and my home is safe. I appreciate it being taken care of timely, but the anxiety of it all was absolutely unnecessary. ***** I’ve been with Alliant CU for several years and have deposited thousands of dollars there. Never have I ever done a mobile deposit. The process is a nightmare for 3rd party checks but my USAA account has never had this issue and never was I told by Alliant that 3rd party checks aren’t accepted. So they shutdown my account and no one called or emailed me. So I called and thought everything was sorted just to find they added time to my funds to be released. A total of 9 days for a process that per the company should take 3-7. Well now my mortgage will be late and I’ll be at risk of losing my home. They told me the funds would be available next day and now all of a sudden no one can help me. Scammers and liars for sure. Preying on disabled vets should be a crime!

I follow Suze Orman’s podcast and decided to open an Alliant Credit Union account based on her heavy promotion of the products. However, I did wait on doing so for the current promotion because of the negative customer service reviews I’d read. I bit the bullet and started the process December 22, 2023. The first CD ‘application’ went off without a hitch; money transferred in from an external instantly. When I tried to open a second CD account and fund savings, the system told me I had to conduct an external account verification – even though they had already transferred in from the very same account minutes before without such ‘verification’. Okay, I get it. There was time in the ‘1-2 business day’ time frame for all to take place. Well, now we’re getting into the holiday weekend so nothing is going to happen until Tuesday, December 26, 2023. Still good. HOWEVER, come December 26th my money is on a “General Hold” even though Alliant has marked the money “received” and my external account has been debited! It is now January 2, 2024 and my money is still on ‘hold’, even though it obviously cleared on 12/28/2023 according to my Alliant account details. I messaged about this contradiction but have not received a satisfactory response. This has been the gist of many of the reviews I’ve read – that Alliant holds members’ money for inordinate periods of time. I have yet to get a straight answer to my inquiry. My money was finally made ‘available’ on January 3, 2024 so I could open a second certificate and schedule funding of a savings account because I want the ROI. When these instruments mature, I do not intend to stay with Alliant. Conclusion: In an article published on July 12, 2023 by bankrate.com, Alliant is the 7th largest credit union in the US based on 800K members and assets of $19B. Alliant gets high ratings by institutions for their products and rates/dividends, however customers tell a different story according to a number of review websites. As of right now I am inclined to agree with reviews – great rates, poor customer service. Ultimately, it’s how people are treated that creates loyalty to any institution. High rates do not last; relationships do. Recommended if all one wants is high return. If one is looking for service or a warm fuzzy feeling, not recommended.