I had the same problem happen again today. I scheduled a one-time transfer, but when I look it up on the scheduled transfers page, it says Monthly, and the transfer can't be edited or cancelled. I called again to complain, and spent an hour on the phone with them. They were all very nice, but I don't think that they have any interest in identifying or fixing the problem. I'd like to hear if this has happened to anybody besides me.

bluechalk said:If you are planning to do a transfer to Alliant this weekend, beware. I just had a strange problem on the website. I scheduled an external transfer for a single (one-time) transfer, to Alliant for 9/14/2008. But when I look at the scheduled transfer page, it says "Monthly 0000133636 left". This is clearly wrong. I tried to cancel via the "cancel" link. It doesn't complain, but the transaction won't go away. When I click on the institution name, which is supposed to let you edit the transaction, I get logged out. I tried using a different browser and got identical results.

I tried calling customer service. They were very nice, but clueless. They said that I have to call back on Monday to get this resolved.

Their ACH transfer system seems to be broken. At least its showing the correct dollar amount for the transfer, but at this point I don't have a lot of faith that its going to work as it says. I hope that I can get this fixed before a month goes by.

UPDATE: The transfer went through correctly on Monday and disappeared from the scheduled transfer list, just like it should have for a one time transfer. Strangely enough, the transaction number is 0000133636. I called again on Monday and they are going to report the problem to their IT people.

Is ACH still free? Maybe I'm reading this wrong but their fee schedule shows: Manually Paid Checks and ACH Items . . . . . . . . . . . . . . . . (effective 5/1/08) $29

bluechalk said:The $29 fee is for ACH transactions initiated at other institutions that have an incorrect trans code. For instance, withdrawals from your share account must have a trans code of 37. A full list of codes is here. I had this problem with setting up an payment to my FIA credit card from the FIA website. They gave two choices: Checking Account and Money Market Account. I chose the latter, assuming that they would send a trans code of 37. But they sent the withdrawal to Alliant with a 27 trans code instead. Apparently the choice of Checking or Money Market has no effect. I called FIA, and they could not explain.

In any case, I got a letter from Alliant a few days later informing me of the problem. They processed the withdrawal manually but waived the $29 fee as a courtesy.

I had these same issues as well until an Alliant CSR pointed out an alternate account number to me. Log in, go to Additional Features and then Instructions for Initiating Electronic Transactions. Use the second, longer account number. No problems since I used that one.

Oh that's wierd. I had problems with Chase and BoA cards pulling from Alliant until I used the long number.

i just recently joined Alliant. Thanks to all who contributed & posted PTA procedures!

If my average daily balance over the 31 day month of October is less than $100 (over $100 for most of the month but down to $5 for a few days) will I earn the 3.69%rate for October?

Anyone have any real life experience with this? I get conflicting answers from reps. Thx

I asked the banker at Citibank how average daily balance is calculated. He responded that the formula for determining how much interest would be paid at the end of the month if money is coming in and out of the account during the cycle would be too complex to figure out by using a calculator. I wish I knew how to determine average daily balance. I hate not even being able to even estimate my monthly interest. Does anyone know a simple way to calculate for example this senario: $9000 at start of cycle, withdraw $1800 to pay off a credit card, three days later add 800 to account ? Thanks for your attention.

Wow! Thanks Wesleman. I really appreciate your answer.

I use to have an account with Alliant...no, there is no restrictions on the number of transfers in, as far as being free....but it's six going out, just like any other Savings or Money Market Account (federal law)....

Argyll said:craig10x said:I use to have an account with Alliant...no, there is no restrictions on the number of transfers in, as far as being free....but it's six going out, just like any other Savings or Money Market Account (federal law)....

You love 'em and leave 'em, eh?
Still love them...but as i previously mentioned...while others keep expanding the number of accounts they have, i decided to go the opposite route...trim to the bare bones...It's just CHASE (main day to day banking) CNB Bank Direct (High yield 4% apy account linked to Chase) and E Trade for Brokerage...and that is it!

However, that doesn't change my opinion of Alliant..excellent rate...excellent free atm coverage and excellent customer service.....highly recommend them!