@baller4life wrote:Another data point, mobile deposits made any day,any time or credited to your account immediately! Nights,weekends,holidays as well as ATM deposits. This is after the first 30 days of membership. I have never seen this from any bank or CU! I am absolutely amazed at Alliant.
ETA: I forgot to mention their max mobile deposit of $50k.
Insane!
Did I hear somebody say ATM deposits? <peeks around corner> 
That's the only area NFCU (and USAA) fall short IMO. If either would figure out a way to make ATM deposits "work" they would be 'perfect', at least for me. 
(I know NFCU does to an extent, but a five-day hold for cash is a bit extreme.)
@UncleB wrote:
@baller4life wrote:Another data point, mobile deposits made any day,any time or credited to your account immediately! Nights,weekends,holidays as well as ATM deposits. This is after the first 30 days of membership. I have never seen this from any bank or CU! I am absolutely amazed at Alliant.
ETA: I forgot to mention their max mobile deposit of $50k.
Did I hear somebody say ATM deposits? <peeks around corner>
That's the only area NFCU (and USAA) fall short IMO. If either would figure out a way to make ATM deposits "work" they would be 'perfect', at least for me.
(I know NFCU does to an extent, but a five-day hold for cash is a bit extreme.)
Yeah that was a deal breaker for me as far as the banking side of NFCU. Five day hold on ATM cash deposits is absurd. When Alliant credited my ATM cash deposit at a SHARE branch immediately at 9 pm I was floored. They have won my savings and checking business hands down.
This is a great feature of BECU as well, for those who qualify to join. My mobile deposits (completed by taking a photo of the check) show in my BECU account immediately, even though the actual check takes around 3 days to clear from my actual bank on their end. Love BECU!
With Alliant mobile deposit, it does get credited right away as well, but I have found several technical issues with Alliant's system recognizing the photo - their system does not always recognize the picture, so I've had to do several re-takes.
ACU is the bomb. Many positives have been said already, high rate checking/savings (0.65% checking w/ no minimum!), fast ACH, $20 ATM fees/month, good deposit system made me switch over this past year. My student loans will be going into these accounts as well. Not sure their CCs are anything to be excited about but y'all have different goals than a measly 23-year-old I guess 
Here is my contribution to the thread 
Back in early part of May 2016 I joined ACU. At the time I did not receive any offers for credit, nor did I apply for anything other than membership.
Membership approval was super quick and easy.
Few weeks after I joined, cold applied for their VISA Platinum with rewards. Requested 15K limit and 2 days later I was approved.
FICO scores at the time were about 700 across the board.
3% util
2.9 intro APR for 12 months, and 14.49 after intro period.
They did not request any additional docs from me for the CC.
