topic Re: Alliant CU in Personal Finance

Alliant CU

Anonymous — Wed, 29 Jun 2016 02:34:22 GMT

Anyone bank with Alliant CU? Checking and or savings accounts? I want to leave Wells Fargo.

Re: Alliant CU

Anonymous — Wed, 29 Jun 2016 02:45:52 GMT

@Anonymous wrote:
Anyone bank with Alliant CU? Checking and or savings accounts? I want to leave Wells Fargo.

Yes. Alliant is my primary banking hub. They're absolutely fantastic...great rates on checking and savings...instant(and I mean instant) availability of deposits(via ATM or mobile app check deposits anyhow...ACH deposits usually take a day for pulls[from Alliant] and clear instantly once recognized from outside pushes)... Excellent customer service and friendly loan officers if you need anything besides deposit accounts. I'm not sure what else you need...I would highly recommend Alliant unless you absolutely need to make in-person cash deposits(I work mostly for tips, but most US Bank ATMs accept cash deposits and they all work for Alliant).

Re: Alliant CU

baller4life — Wed, 29 Jun 2016 05:08:24 GMT

@Anonymous wrote:
@Anonymous wrote:
Anyone bank with Alliant CU? Checking and or savings accounts? I want to leave Wells Fargo.
Yes. Alliant is my primary banking hub. They're absolutely fantastic...great rates on checking and savings...instant(and I mean instant) availability of deposits(via ATM or mobile app check deposits anyhow...ACH deposits usually take a day for pulls[from Alliant] and clear instantly once recognized from outside pushes)... Excellent customer service and friendly loan officers if you need anything besides deposit accounts. I'm not sure what else you need...I would highly recommend Alliant unless you absolutely need to make in-person cash deposits(I work mostly for tips, but most US Bank ATMs accept cash deposits and they all work for Alliant).

+1 LOVE Alliant!

Re: Alliant CU

Gmood1 — Wed, 29 Jun 2016 12:09:44 GMT

I'm in the middle of transitioning to Alliant as my secondary Hub. Being a member of 10 different financial institutions. I have to say Alliant is turning into my favorite outside of USAA.

I made a very large deposit through the check depositing phone app after the cut off time for that business day. Instead of just holding the entire amount like most banks do. They released $2500 minutes after I submitted the images of the check. The next day they released another $2500. I'm guessing the rest will be released today.So far I'm VERY impressed!

If my main hub pisses me off one more time. I'll ditch them completely and move everything to Alliant! Just for reference I am a member of Navy Fed, SFDCU,Penfed, Nasa, Ally along with 3 others besides Alliant.

Alliant gets two thumbs up!

Re: Alliant CU

Anonymous — Wed, 29 Jun 2016 19:36:28 GMT

Thanks guys, I feel i made the right decision.

Re: Alliant CU

Anonymous — Wed, 29 Jun 2016 20:07:04 GMT

I got a 2 day wait message from the application. Did you guys have to donate money to foster care?

Re: Alliant CU

Gmood1 — Wed, 29 Jun 2016 20:22:24 GMT

@Anonymous wrote:
I got a 2 day wait message from the application. Did you guys have to donate money to foster care?

Yes I had to donate.Did you use the promo code for high rate checking?

To apply for the $50 bonus, use promo code CHEK12A when applying.

Re: Alliant CU

baller4life — Wed, 29 Jun 2016 20:22:45 GMT

Yes. You have to make the donation to Foster Care to Success.

Re: Alliant CU

RonM21 — Wed, 29 Jun 2016 22:09:37 GMT

I have Alliant also, and so far have nothing but good things to say about them. Actually, reading up on various threads here about them, is what led me to get an account with them. I'm not regretting that move at this point.

Re: Alliant CU

Anonymous — Wed, 29 Jun 2016 23:33:02 GMT

I love them so far. Seems like they are for the people. As soon i get the account info I will use that code. Thank you. Im very interested in there student loan consolidation product.

Re: Alliant CU

Anonymous — Fri, 01 Jul 2016 18:44:37 GMT

@Anonymous wrote:
I got a 2 day wait message from the application. Did you guys have to donate money to foster care?

You do not have to donate in order to join Alliant CU you can join the Network Professional Association and get access that way as well. It is on the page "Check Eligibility" on the right side where it says "Members of select organizations".

Re: Alliant CU

Anonymous — Fri, 01 Jul 2016 19:02:47 GMT

Alliant is friendly, and my savings acount with them was set up quickly and easily, but I am not a huge fan of the Vantage 3.0 scores they use, which are much lower than FICO and seem to use very strange criteria. For example, I've had a savings account with them for several months. When I applied for a card, it came back as not approved due to "lack of long enough credit history" based on their Vantage scoring system.

Well, my credit history is 6 years long, and most of my credit cards have limits between $12k- $20k per card, so I don't think that would qualify for lack of a long enough credit history. No negatives in my credit history, either. Their Vantage scoring system seems pretty flawed. Luckily, not many other lenders use this system (I've never actually seen another lender that does).

I've heard several people say on the board that their Vantage 3.0 score was as much as 100 points below their FICO score. Mine is about 60 points lower than FICO, so I agree that it's a rather weird system.

Re: Alliant CU

Gmood1 — Fri, 01 Jul 2016 19:08:44 GMT

My vantage scores are normally lower than fico as well. For reasons I'm unsure of, in the last month my vantage scores have taken off. The only major changes were adding two additional installment loans. One of which was a secured loan from Alliant.
My vantage scores are now higher than FICO. TU just updated today and jumped another 7 points to 799. Installment loans must weigh heavier on vantage scoring?

Re: Alliant CU

Anonymous — Fri, 01 Jul 2016 20:47:30 GMT

@Gmood1 wrote:
@Anonymous wrote:
I got a 2 day wait message from the application. Did you guys have to donate money to foster care?
Yes I had to donate.Did you use the promo code for high rate checking?
To apply for the $50 bonus, use promo code CHEK12A when applying.

I just signed up for membership yesterday (banking with BOA as well). Started with only a savings account because I was advised to wait on a checking account bonus offer but I will try this now!

Re: Alliant CU

darkfrosty — Sun, 03 Jul 2016 20:24:24 GMT

I was looking into joining this CU since I'm in NJ as well. Currently a member of NFCU, USAA .. was thinking of joining this and Penfed

Re: Alliant CU

darkfrosty — Mon, 04 Jul 2016 14:55:46 GMT

I meant cuz they have a branch here unlike nfcu

Re: Alliant CU

Anonymous — Mon, 04 Jul 2016 18:20:31 GMT

I didn't use any promo code when I applied for membership - checking & savings & I still got the $50 bonus credit the day after I made an atm deposit. In fact, I received the deposit today. Awesome! So I don't think it matters if the code was mentioned or not.. If you applied within the promo window you'll get the credit once the requirements are all met.

Re: Alliant CU

baller4life — Mon, 04 Jul 2016 19:15:58 GMT

I didn't use a code either and got $50.

Re: Alliant CU

Vegas4Play — Tue, 05 Jul 2016 03:35:29 GMT

Is there only Alliant CU and not an Alliant Bank?

Re: Alliant CU

Anonymous — Tue, 05 Jul 2016 04:51:33 GMT

Vegas4Play wrote:
Is there only Alliant CU and not an Alliant Bank?

Alliant CU, outside of Chicago O'Hare Airport in Illinois, on Touhy Avenue

https://www.alliantcreditunion.org/

* not the Bank thingie