Alliant CU

castaline said:   Craig
His ? was less about Interest, More about Transfers.

I know...but it just seemed like a bit of a strange statement since we know what the history has been with them regarding rates...
As far as his actual question...he really should check with them to find out why that is with his particular account, either by calling or e-mailing during regular business hours...
I can't figure why his limit would be dropped...i don't think the small balance would have changed that...so he would really need to find out what his particular situation is...

Grobe said:   Anyone notice a dramatic decline in their transfer limit? I have been a member there for a few years. At first it was $10,000 a day. Then they increased it to $25,000. But for the last couple years I have only had $100 or so in a savings account (after they dramatically cut their interest rates). Today I tried a significant transfer into Alliant (I was planning to transfer it out in a few days), and they said my transfer limit was $1,000.

When did they change their policy?

craig10x said:   castaline said:   Craig
His ? was less about Interest, More about Transfers.

I know...but it just seemed like a bit of a strange statement since we know what the history has been with them regarding rates...
As far as his actual question...he really should check with them to find out why that is with his particular account, either by calling or e-mailing during regular business hours...
I can't figure why his limit would be dropped...i don't think the small balance would have changed that...so he would really need to find out what his particular situation is...

durtydub said:   Did Alliant quit making direct deposit available a day early? My paycheck has always been visible and available on Thursday but it isn't showing up today.

Don't want to be seen as turning a molehill into a mountain. I support Alliant and have my money there. But these are very tough and trying times for both financial institutions and savers. Alliant has an objective it must place at least as high as its desire to serve members well. That objective is: self preservation.

So I hope readers here will continue to post instances of backsliding, whether real or perceived. Sometimes we cannot see clearly a larger picture until sufficient pieces of the mosaic are in place.

ThiftySpender said:   I just noticed that I now modify joint owners to account online -- used to have to sent in a form. Just went to the "options" tab for an account and there is now a link for "manage joint owners."

Same for beneficiaries

HEPennypacker said:   durtydub said:   Did Alliant quit making direct deposit available a day early? My paycheck has always been visible and available on Thursday but it isn't showing up today.

You used to be able to access your direct deposit before it was actually deposited??

I can usually see mine a day in advance, but I've never been able to access it before the deposit date.Same here. Pending on Thursday, available on Friday.

jtdeals said:   HEPennypacker said:   durtydub said:   Did Alliant quit making direct deposit available a day early? My paycheck has always been visible and available on Thursday but it isn't showing up today.

You used to be able to access your direct deposit before it was actually deposited??

I can usually see mine a day in advance, but I've never been able to access it before the deposit date.Same here. Pending on Thursday, available on Friday.

Pending for me a day early...never able to access it though.

hapsnn said:   RichardBerg said: Just talked to my CC company. My $1k opening deposit was not flagged as a cash advance; no interest is accumulating. However, I didn't get CashBack points for it either. Oh well, was worth a try.

I have the Schwab 2% Visa, fwiw.

Anyone know if Citi will flag an opening deposit to Alliant as a cash advance?

It most definitely hit as a cash advance.

Stupid me, I searched this thread twice and I didn't see that someone else had it coded as a CA as well.

HEPennypacker said:   Did I miss the advance rate announcement for February? Looks like they're staying the same.
I don't think anyone asked. I guess anything sub-1% is largely uninteresting to the masses.

It's still nice to know that Alliant isn't winning the race to the bottom!

Some people do love them to death because they can deposit a check with them using their iPhone!

HotSalami said:   Oh wait, BoA, et al. already do

ThePessimist said:   guardian44 said:   I guess in these horrid times any rate>0% is a decent rate.
I have two checking accounts, at Alliant and PNC. Alliant pays 0.95%, while PNC pays 0.01%. On an average balance of a bit over $2K, Alliant is paying me almost $20 per year more than PNC would. So, it passes the Chipotle test almost three times over. I was unaware of the annual timeframe for the burrito test. This would have made even PNC's old $0.05/debit transaction windfall pass.

why not just deposit to alliant with atm card?

mi55sin said:   I don't feel like it's really reliable to deposit cash into an ATM machine....

Alliant rocks but, OK, you have an "I need to be able to deposit cash securely" situation.

What I do in your situation is quite similar to what you did. The only exception: I use as small a bank as I can find. I deposit the cash then suck it out (via ACH) of the local bank using my Alliant hub account. There is never any fee and the money is in my Alliant account the next day.

Really, the only thought I can offer is: Don't use a big money center bank at your end. They, all of them, are poison. [JMHO, of course! ]

guardian44 said:   mi55sin said:   I don't feel like it's really reliable to deposit cash into an ATM machine....

Alliant rocks but, OK, you have an "I need to be able to deposit cash securely" situation.

What I do in your situation is quite similar to what you did. The only exception: I use as small a bank as I can find. I deposit the cash then suck it out (via ACH) of the local bank using my Alliant hub account. There is never any fee and the money is in my Alliant account the next day.

Really, the only thought I can offer is: Don't use a big money center bank at your end. They, all of them, are poison. [JMHO, of course! ]

Is Alliant a co-op member? If they are, all you need to do is go to any other local co-op member to make a deposit.

GE interest plus pay 1% which seems above normal. Not FDIC insured but it is least risky.

dwt79 said:   Has anyone experienced any recent anomalies with Alliant's bill pay service? My payments to my Chase credit card accounts have always, without fail, been posted to my account the afternoon the electronic payments were sent out by Alliant's bill pay provider (i.e. the day after the funds are withdrawn from my Alliant account). Oddly, I had a payment that was withdrawn from my account on Thursday night, and the payment was not posted to my account Friday afternoon as expected. And still nothing today. It hasn't actually been that much time yet (this being only the second business day after the payment was processed), but I've found it somewhat odd as this is contrary to my past experiences with Alliant's bill pay and Chase.

Please be so kind as to keep us updated. This is important and critical stuff. If you read some of the above posts there are scattered reports that something might be happening at Alliant. I don't know what or even if. So please keep us in the loop. People care about such things as this, i.e., the timing of money movement.

A couple months ago some people were reporting that they were getting $5000 immediate availability from edp deposits, vs. the previous $2,500. Maybe it varies by customer or other factors, but here is another data point, from two edp deposits I made into savings today (Sat 2-11-12): a $15k check immediately followed by a $5,000 check.

For one check (presumably the larger one) $10k is under a hold that expires Mon 2-20 (which is a holiday); and for the other check $2500 is under a hold that expires Mon 2-13.

Hard to tell for sure what the edp hold rules are from this. Maybe for the first check deposited in a day $5000 is available immediately and the rest in 9 days. While for subsequent checks deposited the same day, something similar to the old rule still applies: $2500 now, $2500 more in 2 days, and the rest in another 7 days. The reason for the "something similar to" fudge is that the old rule was $2500 now, another $2500 in 2 business days, and the remainder in 5 more business days -- so the day counts aren't exactly the same.

Alliant doesn't really have specials or bonuses because their rates are so consistent and attractive that it isn't necessary to attract lots of members...and they have LOTS of members...i think they are about the 7th largest CU in the entire country....lol...

If you want top rates and consistently high rates, Alliant is hard to beat...

Is Alliant still charging a fee after the first 8 ATM transactions? I was all ready to sign up, but the signup page for Foster Care to Success says: Alliant charges a nominal fee after eight transactions have been performed in a month at non-Alliant ATMs, including CO-OP Network, Credit Union 24 CU Here, Bank of the West, Allpoint and Alliance One ATMs.

aliceblank said:   Is Alliant still charging a fee after the first 8 ATM transactions? I was all ready to sign up, but the signup page for Foster Care to Success says: Alliant charges a nominal fee after eight transactions have been performed in a month at non-Alliant ATMs, including CO-OP Network, Credit Union 24 CU Here, Bank of the West, Allpoint and Alliance One ATMs.

Go ahead and get your Alliant accounts...the fee was dropped about a year ago...it's unlimited now...unlimited balance inquiries, transfers and withdrawals at the atm machines....
And of course, alliant charges no atm fees on their end and whenever you use any of the surcharge free networks (the one's you listed) no fee on that end either

They probably just forgot to update that page when the last revised fee schedule came out early last year...

Alliant's billpay is function but not the greatest, I think. It works more than well enough for me (send payment on this date functionality) but it doesn't have the fine-grained control that I hear the others have.