If quick ACH transactions matter to you, you cannot go wrong with Alliant. I regularly use it has my hub account for moving money wherever I need. Alliant does not hold the money for one or more days, as many other banks do, merely for float. Alliant's customer service is also quite good. I used my Alliant account to perform a wire transfer -- a modest $25 fee -- and the phone communication I had to verify the amount, the destination and other details was superb. In terms of qualifying as a member, one criteria is membership in your local school's Parent-Teach Association (PTA).
Ratings by Category
Most Helpful Positive Review
Most Helpful Negative Review
The worst experience I have ever had.
I was immediately approved for a home loan, but from then on, it was a nightmare!
On the 60th day of a 45 day escrow, I cancelled my contract. This was after signing loan papers and forwarding my down payment. This was the second day of my 3 day cancellation period and the day they decided they needed another two weeks before anyone could sign off on the loan. This was a property issue that they said (In writing) they had resolved a month earlier. Had I agreed to this extension, I would have been responsible for fees and interest on a loan for a piece of property that they were preventing me from taking possession of.
Besides all this, I waited 3 weeks for an appraisal , putting me out of contract., numerous misrepresentations and outright lies.
On their assurances, I made two trips (400 miles from my current home) waiting to close.
I am in California, the appraiser they used was in Pennsylvania, the Loan Officer in Chicago and the Loan Processor in Denver.
I ended up having to pay cash for the property because I was well out of contract and in danger of losing the monies I had already spent.
The funny part is, I went with them because I had enough money in their bank to pay cash...I thought it would be easier!!
One more thing, they reported to credit monitoring companies that I could not wait for them so I went with another lender. I have now found out that my FICO score went down because there were "no credits on my real estate account". I paid cash, I have no real estate accounts. Something else I have to clean up.
Needless to say, I am suing for damages.