Alliant Mobile Banking Reviews

by Csred7

When taking a picture of the back side of a check for a mobile deposit, an error pops up that the “image is too dark”. This occurs for any check that has the black lines printed on the back to prevent people from reading the checks through envelopes. No amount of light adjustment or changing the background fixes this. This only occurs when doing mobile deposits through this app, they scan just fine through any other bank’s app. I reported this issue over 6 months ago and corporate assured me developers were going to work on a fix. Still no fix, rendering Alliant worthless for most of the deposits I end up needing to do. Forces me to bank elsewhere, too bad.

Also, why is Alliant always ‘under maintenance’ during key times of the evening? Why can’t the devs schedule the maintenance at 4 in the morning or sometime when people aren’t typically on? If this was a once in the while thing it wouldn’t be much of a concern but it seems like they need to shut the whole app down for maintenance every week.

by Graves123

Alliant is not mobile deposit friendly. Here’s why I say that: It pops up error messages if your images of the front and back of the check are not the exact same size. It is extremely picky about the photos. as long as the image is legible, it should be acceptable. It also gives me, “the signature could not be read” . On some checks, they don’t have a signature, it just says signature on file in print. The white marks that are supposed to turn green (to show you when to take the photo) are basically impossible to hold still before they change back to white. PLEASE make this easier to use. This feature being so difficult, combined with the fact that I cannot access my money SO OFTEN because of “system maintenance” has me considering switching banks.

by GeekGirl1337

I was already pretty meh with Alliant, but then mobile deposit completely messed me up. I made a mobile deposit and spent ten minutes trying to get the darn thing to take a picture. Finally it took them and the deposit was submitted. I then wrote a check, so imagine my surprise when the check bounced! Later that day I got an email that the deposit was deleted because “it was not endorsed.” The check was clearly endorsed and I checked it on the preview. Yet somewhere between that preview and what this app got Alliant cut off my signature. Never again will I trust Alliant with my money. Citibank is better AND they credit you up to $300 right away when you make a mobile deposit. Alliant is not worth the anxiety.

by Dhdjjdjdcucidned

why can’t you do basic things in Alliant like VIEW CURRENT CC STATEMENT or HANDLE CASHBACK REWARDS

Also if you have an issue sometimes it’s “call the credit union” or “call the cc managers” instead of unified customer service

Also should be able to VIEW PAST STATEMENTS

the other thing is if you lose your card they give you a new number with a zero balance and then they add a line item with the old balance... BUT THE TRANSACTIONS APPEAR ON THE NEW NUMBER... THIS MAKES YOU THINK THAT THEY ARE DOUBLE CHARGING YOU SINCE THERES NO LINE ITEM TELLING YOU THAT THEY ZEROED OUT THE OLD ACCOUNT NUMBER

so they do the actual calculations correctly but the documentation of the change is so sloppy by starting with a zero balance on the new card that the only way to know is to go over the statement before and after and run through all your transactions because otherwise it looks like you are getting double charged

amex , citi, chase, capital one in contrast just change the number but don’t do this monkey business so it’s quite clear that just the number changed

by doing it this way i wonder if they are actually opening a new account which would be bad for credit scoring as Avg age of accounts would go down. not sure how it looks on credit report

lastly when you spend on the credit card and pay it off they take their sweet time like a week to replace your available credit... far longer than other banks

by Flurr Ball

When I am already logged in, it prompts me w/ a security question just to see the account number that I am not allowed to copy/paste. That’s bad enough, but now upon entering the answer, the return/go key is grey and unresponsive. I can close the window, get a new question and get the same result. After 3 tries, of course I was locked out. I got back in and was able to get the acct number via the this app web site but this is ridiculous. There is only so much you can do to protect people from their own stupidity and this is too much. I tried to submit this via support but, alas, that failed too — after typing out a 500 character description of the problem. Using iPhone 11 with latest iOS.

by Kris "with A K"

I wish we would have known before signing up and committing on moving over. #1 there’s issues with the photo check depositing features. I have no issues with an iPhone 11 but Alliant will kick back errors every time when my wife with her iPhone SE tried to deposit the same check first. #2, your “joint owner” on accounts (aka your spouse) can’t have their own login with your account. My wife was told by customer service to use my login. That’s super inconvenient when 2FA is enabled. I can’t believe in 2021 this issue hasn’t been worked out. #3, they don’t support true MFA. (To be fair, no bank does. BUT if you’re going to be an online bank first, you better early adopt this.

by Andy Schwartzmeyer

Ok this review is not for ACU themselves: their services are 5-star! However, Alliant itself is buggy. While functional enough to get the job done there are a lot of annoying rough edges: mobile deposit is the most finicky implementation I’ve had experience with (it’s terrible at recognizing the check in the photo or cropping it correctly), there are input bugs such as race conditions and unsupported characters all of the place (so typing in an amount for a deposit or a message to support is aggravating to say the least), and when you open Alliant you have to click through a “you’ve been signed out prompt” before it lets you sign back in (even with Face ID). I sure hope it improves because Alliant is the worst part about banking with this otherwise great credit union.

by Shyshy808

Nobody wants email confirmation of your debit card purchases. We want in app notifications and we want it live. Some type of mobile payment platform Inc. in the mobile app like Zelle. Debit card controls. Turn your card on and off. this app you are not that far from an exceptional mobile experience. With these few updates it will bring it in line with today’s mobile needs. Love the budget software you have, pending transactions, change pin option, bill payment and transfers. All good. I love the fact that I can deposit cash at CoOp ATMs that’s a huge deal. Thank you, for the ATM refunds too. I hope to see these future changes in an upcoming update. Thank you.

by MammothMtn

I’m a brand new this app CU user and also help develop software/websites. There is a really obvious bug where you cannot view your account number if given a security question that requires a text answer. I cannot submit the text answer after typing, which results in a locked account if you try multiple times. This has resulted in a locked account FOUR times. It’s really annoying. Please fix it and I will update my review. I’m using the following: iPhone X, iOS 13.6.1, app version 4.8.7.

by Wertgbvd

I really wish Alliant provided an ATM Locator function without having to log in. It does, if you choose to display your account balances on the login page, which makes no sense; I don’t want to reveal my balances without authenticating, but unless I enable that feature, I can’t search for ATMs without authenticating.

In addition, support for Alliant is poor. The CU customer service doesn’t seem able or interested in taking feedback on Alliant , doesn’t seem tech savvy for anything but basic functions, and there doesn’t appear to be a feedback mechanism for the CU’s app developers or tech team.

by Chutoygirl

I work in finance and understand security but there is a point at which over the top perceived secure measures provide diminishing returns at the expense of usability.

this app is a great credit union with regard to rates. Alliant is generally fine but with two significant usability issues, the first being account number access.

If I have authenticated, have 2 step enabled, and I’m on a trusted device it’s ludicrous to not allow me to copy and paste my account numbers. It’s 2021 and acct numbers are needed for various aggregators, forms. This is a showstopper level inconvenience that I’m willing to bet an executive or product manager or misguided compliance team insisted upon. Please, fix it.

Second is the change to the dollar amount entry paradigm. Having to type 2 0 0 0 to enter 20 dollars and having the amount populate from cents to dollars makes no sense; I’m not sure if this paradigm was taken from Navy Federal but these are the only two finance apps that do this and it’s really easy to set up a transfer for 20 cents. Please: go back to the previous, usable paradigm.

Could easily be a 5 star app. (To those looking for bells and whistles and budgeting, do you really want this from a small-ish credit union? Why not use a third party and let this app continue to offer great rates…?)

by Borrmu421

this app CU is incredible and I highly recommend them as a financial institution. They have the best rates out there, offer great credit card options, loans and other banking products as well. However their mobile app leaves a lot to be desired. It works fine and does the job for a very basic app, but with all the other fintechs offering so many features and functionality in their mobile apps, it’s time this app stepped up its game to be competitive. I’ve been a member for a few years now and Alliant hasn’t changed since I joined.

If you’re someone that doesn’t need all the bells and whistles then you’ll be more then happy with Alliant experience. However if you prefer to have an all in on solution that provides the soup to nuts experience, then you may want to look at SoFi, Ally, or another fintech tech solution.

by MMmkkk1240

It’s a pretty basic app. If all you want it to view balances and transactions, it will be perfect for you! I would like a bit more functionality. There are a lot of features that are not available on Alliant that are available on the website, which is unfortunate. The sign in process/ verification can be really odd.

Key features we need:

*Account notifications via text and/or push notification
*ability to freeze debit card for those times when you can’t find your card but know that it’s probably at home in your pockets from yesterday’s pants, but would like a little more piece of mind—just in case
*ability to copy and paste account numbers, having to toggle back and forth and wait for it to reload is so annoying or worse yet if the field you are trying to enter it into erases everything as soon as you leave the page, I don’t carry around pen and paper cause I have a smart phone

by AriBM

This is a great banking app. It’s got everything you need, but I do think the styling could use a slight improvement to make it a five. Instead of having a sideways slider, why not have the “refer friends, view atms, and budget/goals” scrolling down on that page? Or you could put the refer friends in “more” and have budgets/goals replace transfers. I’m not sure how many people are placing/modifying transfers on a daily basis, but I would assume it isn’t much. Similarly on the homepage of Alliant , before you’re signed in. If you have balance preview on, it’ll also show you atms near you. Why have a sideways slider versus an integrated map on the homepage highlighting nearby atms?

Overall: it’s a very functional app that includes financial management, easy access to view your account information, and pay bills. The bank thus far has been friendly, quick, and helpful. A+ credit union.

by Srpepe

I just switched over to this app and have already enjoyed my experience here! Alliant is easy to use and understand. However, the biggest flaw in my eyes is that there doesn’t seem to be a way to set up push notifications so you’re notified like when a direct deposit posts, a transaction happens on your account, etc. I feel like the addition of this is much needed and would greatly improve the experience!

by Bjlmag

Great service overall. Minor gripe, but at this point every single time I open Alliant , it tells me that it logged me out for inactivity. This would be assumed by any user who opens Alliant and is greeted by the login page, which avoids the extra splash page and multiple clicks it takes to be told what we already know. Just log me out and let me log right back in rather than telling me I have to login again before showing me the login screen which implicitly thetells me I have to log in again.

by Sjbsijwshi

Alliant is wonderful all in all, until a recent update. This update changed the mobile deposit feature. It’s now buggy; the auto capture literally takes a photo right away instead of waiting for the check to align. Using manual is a pain, because I’m using my hands to align capture the image. It could be worse, obviously, but it was perfect before. It seems like apps just update for the sake of updating these days

by Ominho10

So far I’m very pleased with this credit union, Alliant is very well made, it’s up there with capital ones app, my checks deposit instantly meaning I have access to my funds INSTANTLY! I get to use any atm I want since they reimburse $20 a month on atm fees, I don’t use it as much but a great perk.

Although it’s hard to get any credit with them since they are kind of picky, I’m still trying to get my car refinanced with them so I can keep all my Money and loans in one place.

Anyways 5 of 5

by Logan.white1236

When an account is pulled up, it would be nice if the transactions could fill the screen. A button for a menu of Accounts should be added so members can open the menu and choose which account they would like to see.
In setting, there should be a card services area where members can order a new debit card, report fraud, or change their pins.
Members should be able to see statements within Alliant .

by Moose5656565656

Edit: Developer response was right - a simple app reinstall and touch-ID / pin seems to work great. And, you can see joint accounts in Alliant! I feel like an idiot, but I am very appreciative. 5 * for sure!

Great Banking, but Alliant has some huge pitfalls:
1. Can’t see or access joint accounts where I’m not the primary account holder (e.g. the ones my wife made with her login)
2. Touch ID and Passcode have never worked for me - ever. Every time I login it asks me to set them. I do. The next time I log in it asks me to set them again. I do. They never stick.

However the banking they offer is out of this world - great rates, great customer service via phone, and great services and perks (like $20 back on ATM fees). I will stick with them for banking and hope their app improves.

I will definitely stick with them for banking,

by Chuysanchez95

Some sections of Alliant are not accessible with voiceover especially the disability tab I cannot see the disability features that Alliant and bank offers for the blind community and banking accessible app and to create an account tab it is not accessible as well to open a account when you get in to the page that is also in the disability section of Alliant of the tab

by DetailsGuy

This is one of the best bank apps today. I should know; I’ve been an online banking nerd for 15 years ;-)

Alliant now lets me see my bill pay history, deposit history, and external transfer history. I love it!

One request on the bill pay history: show whether the payment was made by paper check or electronically.