I am not so happy about Alliant Cu…as a result of a few problematic ach transfers, they are “punishing me” with a reduction in ach transfer limits… instead of being able to transfer $100,000 in per day and $25,000 out a day…i now can only transfer $250.00 out per day and $1,000 in per day FOR THE NEXT SIX MONTHS…making the accounts useless for me…
I called and they said that is the rules and there is nothing i can do about it… 
Yes craig, happened to me sometime ago. When you get on their bad list just follow their rules.
After a period of time Alliant will give you a second chance. I’m now allowed the old regular $100k in and $25k out.
Very annoying!
Thank you, patty…i kind of remember you mentioning having that same issue…Just curious…did it take 6 months to get back the normal limits or was it sooner (if you can recall)…
I’m not sure about the months I waited before calling Alliant asking for a review. But I’d wait for a couple of months. Follow through with the conditions they requested before you call. That’s my advice.
When I called and explained that I needed to ACH more money to take care of my business. They changed me back to regular times.
Yes, allowing $100k transfers with no holds is a big potential risk for Alliant. It’s entirely understandable that they add restrictions when someone’s activity indicates potential problems. Even if they try to explain the problems away. While it sucks when it happens to you, everyone should appreciate the fact they deal with it on a case-by-case basis and not just change the terms for everybody so they dont have to worry about it.
Don’t use Alliant for pushing and pulling. Use your external accounts. I don’t think they can impose limits on externally-initiated actions.
That seems to be the case…i was able to transfer $75,000 out of them to Marcus (using Marcus of course) and there were no problems…
His whole point is that using them as a hub, due to high limits and no holds, is the account’s only value to him. If he could push/pull funds using another service, he wouldnt need to involve Alliant at all.
Actually, i was using them…and was thinking about going back to using them for my day-to-day activities also…and i do have the Alliant Visa Signature Card as well…
Perhaps if i actively use them for both main checking activity and the credit card, after two months i could ask for them to re-consider…after showing i am using the accounts responsibly…
Alliant up to 1.05%.
Gotta say, relative to their competitors, this is disappointing. Was hoping for 1.25%.
Any opinions on the new agreement for mobile app?
2 weeks later they finally raised to 1.20% - disappointing!
@zzz you are the man!! Many thanks for posting. This got by me.
Sure not really competitive. But certainly superior to 1.05% APY.
Better late than never.
Attention: Alliant Visa Signature cardholders
Your statements have closed.
Go collect your $250 rewards. 
Can anyone comment on how the 2-factor implementation at Alliant is working for them? I am curious about any issues with their site as well as aggregators (mint, etc). TIA.
I just got hit with this also.
It’s been limited to $250/day for me as well with no warning.
What “rules”?
It was either the multiple $25k transfers or the returned ACH that triggered a manual review for me also I think.
So 6 months? That’s pretty long, considering how long the account has been open.
I thought they disliked business transactions in these accounts. e.g. Alliant Visa Card
Yep…it’s for 6 months…i gave up on them and sock drawered them after i pulled all the money out using another bank’s transfer system…leaving just $1.00 in the Checking and $1.00 in Savings but i may not ever use them again…That’s pretty harsh treatment for a long time customer…
Is there a better hub bank?
Alliant is less useful now that it has a limit on external accounts.
Plus the 25k outgoing limit is kind of low.
Not sure what else it has going for them.
Maybe the Reg D lift, Faster ACH transfers?
Bingo. They take a huge risk with quick transfers and no holds, so they react to failed transfers. Once is a mistake, twice is the beginning of a habit - so they drop the hammer before it becomes habitual.