Alliant Credit Union

Alliant Credit Union
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#614

I decided to re-join…I’ll use Alliant CU as my secondary bank for my cash (Purepoint has the big bucks…lol)…It will replace AMEX Savings…With AMEX Savings i don’t have atm access and with Alliant i do…and i figured it would be a good idea to have a second bank that does provide the access…

Interesting thing is that my new checking and savings was opened instantly, i was immediately assigned a member number and the $5 deposited to savings PLUS Immediate Online Access…it wasn’t like that in the past…So i see they are making a LOT of changes…The actual online banking has not changed yet, but i guess it will be done sometime this year based on what i was told…meanwhile, i guess you will be seeing interesting changes here and there…:wink:

I also set up the Mobile Banking and i see that’s been improved quite a bit…seems fast and snappy now…it used to be kind of sluggish…Looks like they are really getting their act together…very glad now that i decided to re-join :grinning:


#615

craig 10x,I’ve had Alliant CU since 2003. No problems, I use their checking to pay all my credit card bills. I have a home-town checking acct for all other bills. But, if I need to write a large check for farming expenses, Alliant is ready & easy. The Savings also has a decent % rate.


#616

Hi Patty! Good to see you again…I think it will work out well and very glad to see that they are making improvements as they told me they would be doing…It’s nice to be back…


#617

You can pay credit cards from the savings account. I use two credit cards mostly so I keep most of my funds in savings and pay the cards directly from savings.

You get 6 withdrawals per month from savings.


#618

You’ve got a good point Argyll…
I only use the checking acct because of the 6 withdrawals per month on savings. But I’m going to try your way. You certainly make more interest leaving the funds in the savings acct.


#619

LOL, this was @craig10x circa October 2018(approximately 6 months ago) the last time he re-opened his accounts.

But in all seriousness, as much as I joke around about @craig10x’s adventures in account opening and closing, I’ve been reading his posts for years and years. I remember posts about Delta Community Credit Union and Bank5Connect and all kinds of other banks and credit unions over on Fatwallet. @craig10x you, my friend, are a true Fatwallet finance legend! Please don’t ever change!!


#620

Don’t forget craig10x is profiting $5 each time he closes the account!


#621

Thought I missed a big announcement. So many posts in the past 24 hours…

Should have known it was just craig re-joining!! :slight_smile:


#622

LOL…yeah, i’m back…must admit i was very impressed with their new Instant Approval membership application which not only approves you (if you answer the soft pull security questions correctly as i did) but assigns your membership number, account numbers and puts you right into Online Banking immediately…

And after downloading the Mobile app, was very impressed with all the improvements (including new features) and the speed of the responses on it…Even the check deposit feature was working great…

Now if they could just get that Online Banking revamp going :wink:


#623

Not only $5 each time, but don’t forget that i get a free box of checks with each new opening…lol
I think this time i may be back for good as i do notice the many improvements (on things that use to frustrate me) that they are doing now…


#624

I was just curious, but for those that have the Alliant Visa Platinum Rewards credit card, I see no mention of Extended Warranty or Purchase Protection (90 days coverage for damaged, lost or stolen items)…So, i assume it doesn’t include those features…Is that correct?


#625

FYI all: My annual fee billed yesterday, 5/3, at $59. I will defer this big decision another year. :slight_smile:


#626

Countchure blessings.

It’s not the new fee that is wrankling me. I cannot afford not to pay that. Instead it is the Alliant bill payer service. I’ve about had it and I’m ready to switch to another bill payer service if only I knew of the one I need.

This morning I discovered I had had a senior moment and paid the wrong payee. You might reasonably classify that as payer error. But if Alliant had not forced me to divide up payments to that payee into three separate payments, perhaps I would not have made the mistake!

Alliant’s bill payer daily pay limits are two in number. They limit the per diem payment to a single payee. They also have an overall per diem pay limit across all payments for that day. Both limits are too strict, at least for me. I need more generous limits.

Problem is, Alliant bill pay has never let me down . . not one time. When I make a payment it arrives the next day at the payee’s place of business, just like clockwork!

So there is good and bad with the Alliant service. It’s a quandary.


#628

Argyll I use Alliant bill pay to pay off my monthly CC bills. I have found the Alliant service to be 100% reliable. When I request a bill be paid, it is paid, with never a glitch or failure so far. And that I something upon which I heavily rely and very much appreciate.

My only problem with the Alliant bill pay service is the dollar limits, which for me are severely restrictive.

Let me analogize:

At Alliant the overnight ACH funds movements are equally reliable as bill pay. But the dollar limits, since they were reined in several years ago, can at times be problematic.

I finally found, at PurePoint, equally great ACH funds movement reliability without the dollar restrictions Alliant now imposes. Sure wish PurePoint would do for bill payments what they have done for ACH. But PurePoint does not even offer a bill pay service.:frowning_face:


#629

How restrictive? I have paid bills over 4-5K with Alliant bill pay. But I certainly agree that the limits on ACH movement out is too low. I can’t understand…remember when we could transfer out $100K.


#630

My best knowledge is $20K limit/payee/day and $30K overall limit (all payees)/day.

For sure. But you can do that and more right now at PurePoint.


#631

I just noticed that Plastiq payments are no longer getting cashback on my Alliant Visa. It was nice to get some float on the money. Plastiq charges 2.5% and Alliant was giving 2.5% cashback. But, now with my last statement, they get nothing. I didn’t get any kind of notification, they just stopped giving cashback on those payments. They still show up as a purchases, not a cash advances, but no cashback is given on them. And, there isn’t anything on the statement that says they were excluded, but when I do the math, it’s exactly those payments that are missing from the total cashback.


#632

What are you paying through Plastiq? Visa excludes mortgage payments.

Recently, Alliant has been more restrictive about cash equivalent and other types of service.


#633

I’ve been paying contractors for our house remodel. It was nice to use the credit card.


#634

Don’t know don’t care