Alliant Credit Union Avis 155

I tried to change a monthly payment with Bill Pay. I got an status code 500 error. Customer service said that that status code is erroneous and undefined. Chat said they could not fix the issue. Chat said I had to delete the payee and add the payee back again. When I asked how to find the delete payee and add payee options, the chat Agent stop chatting and did not reply. My chat was closed.
The website also says I have too many devices registered. I only have two or three devices. I have to answer security question every time I log into my account.

FIRST I called Alliant Credit, told them my credit score was 680 + and that was my entire financial situation, confirmed that I had no credit card debt, then had a very disappointing experience with Alliant Credit Union when applying for a HELOC.

I filled out a complete application and did not receive any confirmation email or update. After waiting two days, I had to call them myself, but they said my application was denied without notice.

This is unacceptable. There was no transparency, communication, or professionalism in the processing of my application. A simple email or phone call would have been the least they could do.

Also, the customer service experience was very poor. They do not speak to you politely, and it felt like a complete waste of my time.

If you are considering applying for a HELOC here, be aware that there is a lack of communication and clarity in the process.

Very disappointing experience.this team is NOT PROFESSIONAL at their job!

I didn't ask to be transferred to them, but my HELOC account got transferred to them. They force you to use their account to pay through so I have to transfer money to some account. The auto pay wasn't set up correctly. Actually they're not actually running the HELOC accounts out of their organization but some other organization. They get annoyed with you and you call in and ask about it even though there's nothing anywhere to suggest who you're actually supposed to call. Then they charge you fees to pay over the phone. They also charge you late fees and so it seems like one big scam to pull out $5 here, $10 there and add a lot of inconvenience to your life. Terrible company, could not recommend less.

STOP BEWARE (DO NOT) Use this Bank for a CD.
I have gone through HELL on earth trying to close out MY CD & MY MONEY!!!! So far it is 3 days!!!!
I have never had this much trouble with other CD'S.
Not worth any interest you might make.

Charles Petruzzi was an excellent loan officer to me. I highly recommend Charles and alliant credit union. Charles was very thorough, and detail oriented through out the process. He consistenly followed up with me on all the items needed and was very corteous throughout the process.

They will close your account if 25$ doesn’t get deposited with a bank your currently with that you close, I took my money out of it to put it into this one how lame. I’ll be looking elsewhere for putting my money in without them closing your account.

Absolutely horrible. Every time we try to login, we have to reset our password. There are way too many security questions. Out of 15 you have to pick six. Every time you login. If you don't remember even one, you are locked out.
We have been on auto pay since the beginning of our loan and all of a sudden it was off. When we did not see the payment come through I called and they said there was no auto pay scheduled. It's a good thing I called.
Would not recommend to anyone.

I submitted an application for a High Yield Savings Account (HYSA), but there was a typo in my birthdate. I called the bank to inquire about the status, as I had not received any communication regarding approval or disapproval. After making a second call, the operator indicated that a manual review was necessary. By the 18th day, I still had not received a response. When I called again, I was informed that the account had been disapproved. However, they did not follow up with an email or a call to communicate the final decision.

UPDATE: My funds were released and my home is safe. I appreciate it being taken care of timely, but the anxiety of it all was absolutely unnecessary.
*****
I’ve been with Alliant CU for several years and have deposited thousands of dollars there. Never have I ever done a mobile deposit. The process is a nightmare for 3rd party checks but my USAA account has never had this issue and never was I told by Alliant that 3rd party checks aren’t accepted. So they shutdown my account and no one called or emailed me. So I called and thought everything was sorted just to find they added time to my funds to be released. A total of 9 days for a process that per the company should take 3-7. Well now my mortgage will be late and I’ll be at risk of losing my home. They told me the funds would be available next day and now all of a sudden no one can help me. Scammers and liars for sure. Preying on disabled vets should be a crime!

I sent 25usd to open an account yesterday and quickly realized this place is a mess. At 9am on 04 Feb 2026 I finished a call after finally finding a human being to speak with after many many attempts to go through endless AI Bots etc. An agent with pronoun of Karen told me that maybe it would be better to call back after I has calmed down. What? I asked her to send me an email to my registered email account and finally talked her into it. I could feel the anger.

Update: I called back just now and spoke with someone who canceled the account and he indicated that she had LIED TO ME. We are not allowed to send emails out to anyone. Now the 25 $ will be refunded to the original account the practical way, but they also added a 5$ hold, which believe it or not will be mailed as a paper check to my home address. That is 16% of 5usd, how crazy can we get now?

I applied for a savings account with Alliant in order to take advantage of their higher interest rates however they turned down my application saying they couldn't verify my identity. I find this strange as I have a high credit rating and about 60 years of banking history. Their agents were hard to communicate with and very slow to get back to me. But there are other banks and credit unions who would like to have me as a customer so I'll give up and move on.

I opened a cd on 1/13/26 & was told that the funds would be debited from my external checking by 1/16. On 1/16 this did not happen so I called and was told that they would contact the back office & would be contacted by email. I received the email that said I needed to give my phone #. I am sure that the original application included my phone # but even if that is true why did it take my phone call before I found out what was going on. The whole process was handled badly and I eventually canceled the application. I lost 3 days interest on $100,000. I should have read the reviews before I invested w/ them.

Not a good bank . Totally disappointing with a poor customer support .

My loan was transferred to this bank. Initially, they lost the loan, so no payments were due or could be made for the first two months. They finally found my loan and, of course, charged interest even though I could not make a payment. I had to contact them several times to ask about removing the interest since the error was on their end. They finally removed the minimum payment interest, even though I am paying several thousand more a month, and showed them that with the other bank. Making payments is awful; they either charge you to do it by phone ($10-$12) or require you to transfer money to the checking account they set up, which I do not want. You also have to wait several days for the transfer to occur before you can use that money. A payment was made recently. The gentleman was nice, but that is the best thing I can say about this so-called bank. I have dealt with several banks for home and business loans over the years. This is the worst bank I have ever used. Unless you like service fees for everything and giving your hard-earned money away, don't use this awful bank.

Fantastic customer service, good rate for savings account, app is awesome, and very reliable service. Not sure why so many bad review, my experience has been great.

I put in a Heloc application in October, based on the their promotional rate of 3.99%. Then I followed up in December where Jon advised me that I needed to turn in all my docs or my application would expire and I would need new credit pull and new app completed. I turned in all said docs based on our phone call. Another week goes by no phone and I need to call again to see where we are at. They then asked for more info which I uploaded. Now another week goes by and they say I didn't turn in all the items and now that I need to turn in new stuff and new application. Oh and now no 3.99 rate as they do not offer anymore. Total bait & switch. If I am a loan officer and this is my job to get loans I think you failed! This is very simply poor communication on your part Jon and the ball that was dropped by Mark the origional loan officer assigned.

Alliant Credit Union USED TO be a great bank. In the past few years, its customer service has gone from excellent to dismal. They have outsourced customer service to AI, and as a result, it is nearly impossible for a customer to resolve issues that come up. Even when you get a live person, they just use AI to lie to you. They have removed helpful features from online banking that allowed customers to have agency in managing their accounts. Also, the minute you open a teen checking account for a minor, they start sending them credit card promotions without the parents' consent. We chose Alliant back in the day when choosing a credit union instead of a big bank meant the customer got a fair shake. Alliant no longer values its customers. They want your money so they can invest it, but once your money is in their system, they couldn't care less about you.

Have been with Alliant for years without any major issues. Seems like their rates have gotten worse in recent years, and now we need to switch to get something higher. Such a pain. That, and they don't do Zelle, which has made me scramble for cash on a few occasions to pay contractors.

This company is a total scam and the workers are very misleading and doesn’t care to help anyone I was approved for a membership and credit card I receive notification that everything was fully funded I’ll receive my card in 7-10 days well surprise they then turned around and said my account is closed cause I never sent a deposit to open it which is a lie!! After they put a hard inquiry on my credit don’t waste your time applying here

Overall we are very pleased with Alliant Credit Union. A recent issue was resolved quickly and to our complete satisfaction. Two reasons this is not a 5 star review… (1) the website can be a bit slow and cumbersome and (2) the recent change to their credit card cash back. For years we have used their credit card for almost everything as it offered 2.5% back on all purchases. In November that was changed to 1.5%. So now we use a different credit card for all purchases. Not a huge deal, but a disappointing change for sure.