Alliant Credit UnionReviews of alliantcreditunion.org

I should have listened to the reviews. I SHOULD HAVE LISTENED! One of the Worst Banking Experiences Imaginable If you’re looking for a bank that combines incompetent customer service, unprofessional representatives, and an almost impressive commitment to being absolutely no help whatsoever, look no further than Alliant Credit Union. My Fortune 500 employer offered bank accounts through this financial institution for all of its employees for “better financial wellness.” After this week, I’m scheduling an appointment with HR to discuss their definition of “financial wellness” because Alliant Credit Union ain’t it. Not even in the slightest sense of the term. The customer service at this institution is nothing short of appalling. The representatives are unprofessional, seemingly unfamiliar with the very BASIC services they’re supposed to support, and astonishingly ill-equipped to answer those basic questions. Getting accurate information is like playing a game of telephone with troglodytes who have yet to discover fire. What truly sets this bank apart, however, is the enthusiasm with which its employees manage to avoid helping customers. You would think assisting someone with a legitimate concern would be the bare minimum expectation of a customer service department. Apparently, that’s asking too much. Especially for new customer referrals from corporations that I’d assume are getting kickbacks. Instead, you’re met with deflection, confusion, indifference, and the distinct impression that your presence is an inconvenience to people whose literal job is to assist you. There is a difference between not knowing an answer and not caring enough to find one. Unfortunately, Alliant seems to have perfected both. Rather than taking ownership of an issue, finding a solution, or even demonstrating basic professionalism, the customer service experience leaves you wondering how these individuals were entrusted with representing a financial institution in the first place. Banking requires trust, competence, and accountability. When customers cannot get straightforward answers or reasonable assistance from the people supposedly there to help them, that trust quickly evaporates. My recommendation? Take your money somewhere that values you as a customer. I only attempted to open an account for “emergency” purposes. If this is the level of ineptitude one gets, I can only imagine how bad the lives are for those who are contractually obligated to them for any substantial amount of time. There are plenty of banks that understand customer service is not an optional courtesy but a fundamental part of doing business. Based on my experience, Alliant has a great deal to learn about that concept. I would give this bank zero stars if the rating system allowed it. The only thing more disappointing than the service itself is the realization that the people responsible for fixing the problem may be just as much of a problem as the institution they represent.

This is the worst bank on the planet. They stole over $10,000 in principal payment on my RV loan

Will never do business with this company ever again. Just say no way! This company has been hard to work with when you pay extra they extend it to your payments instead of applying to principle. You have to call every payment and request principle only payment. I called and they stated you next payment is due in 13 months, but interest continues to grow daily. They are crook and now I understand why the 1.5 out of 5 rating. I'll likely file a complaint with the BBB as well in hopes to prevent others from being taken advantage of when trying to finance an item. Their customer service is awful, rude and can't do anything, they have to request someone else to help you or get "approval" to get to your money. Shame on you, just sad.

Got approved as of 8-27-26 as a member of Alliant Credit Union. And ended up applying for an auto loan due to my car breaking down. Alliant Credit Union give me the run around on getting a yay or nay for 2 to 3 days now an answer on an approval to which I was denied because they said that I had fraud on my report and couldn't tell me what type of fraud after I told them beforehand that I was a victim of identity theft serveral times. So I called Transunion and I mentioned the fact that I was denied from getting approved for a loan because of fruad. Transunion said that Alliant shouldn't have denied me because on Transunion's end they could see that I've been a victim of identity theft. And to call Alliant back and asked what kind of fraud? I told Transunion that I did ask Fred. Who is a auto loan specialist for Alliant who never calls you back (no body does) when he says he/they will he tells me that he I doesn't know (but yet I'm not knowing Alliant that well as well being the fact that this company is digitally base which I briefly read about and decided to apply as they will quickly say,and having already given all my personal infomation) Its just Fraud!!!As Fred commented. So Transunion said that if Alliant Credit Union won't tell you then ask to speak with an Manager. So I called them back they are good with answering really your call really quick when you contact them but had me on hold for while to which I didn't mind after speaking with an Agent on what Transunion had said, after that mind you the Agent comes back on line and tells me that Erik will call me back because he is reviewing my case again..3 hours later I call back and I tell another agent what is going on??? She puts me on hold for a long time and comes back and tells that my application was denied for fraud again!!!. So I said if Alliant is accusing me of fraud then how did I become an Alliant Credit Union Member since I had to be approved through Alliant which took a day if you guys are accusing me of fraud? Mind you(they have my personal information a copy of my Id, SSN# and proof of a utility bill, fraud doesn't use real identity). I went on to ask the agent then how did Alliant approve me as a member? She said I don't work in that department but she said that Alliant goes through a checking system I said ok! If that is the case then Alliant accusing me of being fraudulent wouldn't you think that my application for membership would have been flagged as well? I told her but you guys can take my money through with no problem so obviously Alliant who accuses me of being fraudulent (but I'm not). As I was telling her must approve fraudulent people then because Alliant approved me as a member. The agent couldn't answer me she was quiet on that question. I was so pissed! Because now she wanted to play dumb. And told her that I will be calling Alliant again on this matter!!! That I hung up....Alliant Credit Union YOU ARE NOT RIGHT!. I am disappointed and dissatisfied with your decision towards me as a current member of this joke of a Credit union...

I used Alliant Bill Pay system to pay my Alliant Credit Card. On two occasions the Alliant Bill Pay did not process and I was charged a late fee and interest despite Alliant having more than all in my checking account and not processing the payment. Customer Service gave me various lame excuses from: "it takes two monthly cycles for recurring charges to take effect" (despite it having paid the previous two months) to "sometimes they just don't go through". Regardless, they 'filed for a refund' . . . with whom is unknown and both times it was denied. So Alliant kept my money in a low interest rate account and then charged me late fees and a high interest rate. Not sure who is looking for that type of service from a Credit Union. They do have reasonably competitive savings and CD rates. They used to have a competitive Rewards program with credit cards, but modified in 2025. You can do better.

I cannot recommend the Alliant team highly enough, particularly Charles Petruzzi and Amy Holst, who were instrumental in helping us purchase our new home. From our very first conversation through closing and beyond, they provided exceptional service that exceeded all expectations. Charles and Amy offered invaluable insights and advice throughout the entire home-buying process. Their expertise helped us navigate every decision with confidence, and their genuine care for our success was evident at every turn. They were truly there for us every step of the way, making what could have been a stressful experience remarkably smooth. What truly sets them apart is their commitment to our success even after closing. Both Charles and Amy have continued to support us by answering questions and providing guidance as we've settled into our new home. Their willingness to communicate on weekends and during off hours demonstrates a level of dedication that is rare to find. They've made themselves available whenever we've needed them, and that ongoing support has been invaluable. If you're looking for a team that will treat your home purchase as if it were their own and provide support that extends well beyond the closing table, look no further than Charles Petruzzi and Amy Holst at Alliant. They are true professionals who genuinely care about their clients.

I disputed an $1,808 debit card charge under Regulation E after receiving no goods or services. Alliant's investigation resolved it against me. I then took the merchant to court myself and on July 14, 2026 won a judgment for the full $1,808 plus costs (Monroe County, FL, Case No. 44-2026-SC-000482-A0-01KW) — a judge reached the opposite conclusion Alliant did on the same charge. What concerns me most: the merchant's own chargeback documents listed two different transaction amounts, and a second cardholder charged the identical amount by the same merchant the same night had it reversed by his bank on the same facts. Alliant, reviewing the same evidence, did not. I had to do the bank's job for it in a courtroom to get the right outcome. I've since filed complaints with the CFPB and NCUA regarding the adequacy of their error-resolution process. I'm moving my accounts. If you rely on Alliant to investigate a dispute fairly, know that mine required a court to correct.

Pros The bank has no fees, which is awesome, especially in today's world. Customer service is available and can be helpful at times. You get paid one day early, not two days early as advertised. They need to correct this. Cons If you have any disputed transactions, you're better off handling them yourself because their disputes department is lackluster. They don't document cases properly, and they aren't very helpful. There are a lot of account restrictions when opening new accounts. Overall If you're looking for a bank account with no fees and easy access, then Alliant is a great option. However, if you need assistance with your account or help resolving disputed transactions, you're largely on your own.