Alliant Credit Union - Data Points

[peghede]

Alliant is ok but not great. i have them for over 7 yrs always deposit thru them 10k to 20k monthly...last month i deposit one check for 42k  and took them almost 8 days to clear the whole check.they give me 5k instant avl and the rest every day or so 5 k more..they chocked on high deposit and f..up my deposit.thx alliant for nothing.

[CreditMagic7]

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@Anonymous wrote:

So I PM'ed Baller and told her that Alliants max CC is 100K, the most that the LO had seen was 50K but now we now have something to strive for 

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Thanks for that info!!!!

[LShan82]

I was denied but plan on apping again in 6 months. However, I will fully utilize the banking side.  I'm going to close my chase account ASAP 

[baller4life]

I fully utilize the banking side as well LShan. Haven't bothered to app a card with them and probably won't. I prefer not to have a credit relationship where I keep my money. But, that's just me. I have plenty other CUs and banks to use for credit. 

[LShan82]

Hey Baller, now why do you prefer not to have your credit card where you bank? Just curious.

[baller4life]

Read too many horror stories of CUs taking money from accounts to cover past due payments/balances on credit accounts which is within their right to do. They call it cross collateralization. Of course none of us plan to get behind on payments. But, none of us also never know when "life" might happen. I just prefer to keep my banking and credit relationships separate. But, like I said, that's just me.

[Anonymous]

@Baller - mosthe credit unions have it in their membership agreement. BECU sure does.
If they take a loss on an account, like a ch13/7 and them not getting their full amount, they close your account, but do send your money to you (this happened to me).
They also will take a payment (like car payment) if you miss one...

[baller4life]

Yep. It's very common with CUs. So for my own peace of mind, I prefer to keep things separate. 

[LShan82]

I didn't know.  I'll keep that in mind.  Thanks!