I've heard a lot of great things about Alliant, and what I liked about them was their pre-approval policy. You *used to can join Alliant and sign up for a checking/savings acount which requires a hard inquiry. Then, if you are approved for a credit product, you can apply for it using the same inquiry.
I spoke with two Alliant loan officers and confirmed that now you need an additional hard inquiry for the "pre-qualified" credit cards, etc. as they are no longer pre-approving credit cards when you join.So its no longer 1 hard inquiry for membership + credit card. It is now 2 hard inquiries.
Does anyone have any recent experience with Alliant? Can someone confirm this?