Opened an account months ago given competitive rates & ethical practices. Information on Alliant’s pricing and contracts are not readily available. Fee can be made in 2 months even with low spending. Truly everybody may be eligible. With a purpose to end the applying course of for an Alliant bank card, you need to be part of Alliant Credit score Union. If your credit is excellent/good, you might qualify for the Alliant Cashback Visa® Signature Credit Card, which comes with a generous cashback rate and low APR compared with competing credit cards. That's the amount everyone who's approved for the card is guaranteed to get. Your web browser (Internet Explorer) is out of date and no longer supported. The Alliant Credit Union Visa Signature card mainly uses the TransUnion credit bureau for approval. Citibank, Bank of America etc." According to the company’s customer support channels, its payments are processed by Chase Merchant Services, meaning the company is likely a reseller of those services. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. A full year of no interest charges on both these categories is a great bonus – especially for those looking to pay down an existing credit card balance or finance a significant purchase. Annual fee. In most cases where Chase Merchant Services sets up the account directly, the company offers month-to-month contracts, no early termination fee and no PCI compliance fee. The Alliant mobile app has received mostly positive reviews. But this doesn't mean it can't pull your report from the other major credit bureaus Experian and Equifax. Each of those reviews references higher than expected rates or unforeseen fees. However, only its phone number is dedicated to customer support. 3 12%. Chase Merchant Services has acquired WePay as a measure to grow its e-commerce platforms. 22620 Southeast 216th Place, Suite A, Maple Valley, WA, reporting it to the relevant supervisory organizations. While the Alliant Visa® Platinum Rewards Credit Card offers an excellent rewards rate with no annual fee, there are plenty of other cash back credit cards to consider. Though the company may offer pricing and fees that are not in line with the standard Chase Merchant Services terms and conditions, this review references those as a barometer for what merchants could expect from Alliant. A far better alternative than dealing with the large conglomerate banks e.g. These revenues in no way influence our ratings or reviews. The high cash back rate on the Alliant Cashback Visa® Signature Credit Card is alluring, no doubt about it. But if you prefer a credit union over a bank, then Alliant is a strong contender. Get unlimited free credit scores & reports. 61. Yes. If you suspect that the company is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges. Merchants are provided local support from each of the company’s 3 local offices between 8:30 am to 4:30 pm. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. Month-to-month, no contracts, no junk fees, and great support! Just like when UAL bought and "merged" with Cont. 1 6%. The best way to Be a part of Alliant Credit score Union. We have only been able to locate 3 negative reviews about Alliant. I have no issues at all. I wanted to open a checking/savings account here and went through the application process, but did not get approved right away. WePay charges a transaction rate of 2.90% plus $0.25 per transaction. 17 Reviews. Denied a car loan with excellent credit and low debt income ratio!? Alliant Review Table of Contents. This site may be compensated through a credit card issuer partnership. Do you offer a debt protection plan? The Alliant Visa Signature Card offers 2.5% cash back on all purchases. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. If you are a high spender with excellent credit, the Alliant Cashback Visa Signature will be a great fit, but you do have to be an Alliant Credit Union member to be eligible. No personal information is collected unless you fill out a form and submit it or call a number listed on one of our pages. With over 80 years of history and more than $11 billion in assets, Alliant is the largest... show more. Best cash back card I've seen,2.5% minimum for everything. Add on another 7-10 business days after that and that’s THREE WEEKS without a debit card. Please download one of these up-to-date, free and excellent browsers: Member for over 20 years. There won’t be a tough pull for becoming a member of the credit score union. Bad Business! This card offers 3% cash back the first year with no annual fee (similar to Discover it Miles), so it’s obviously better in that regard. Citi Double Cash (DC) is probably the best one among these cards because you can get … It pays a flat 2.5% cash back on every purchase. It also has not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB. I assume that you would need a relationship with Alliant to apply for this card. Learn more about our monetization policies here. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Savings ATM Card and Visa International Service Assessment (ISA) fees. You can pay your mortgage with the Alliant Credit Union Visa Signature card if your mortgage lender accepts credit card payments, but they usually don't. Since Chase offers month-to-month plans without early termination or PCI compliance fees, this can mitigate the costs merchants will face when signed onto longterm contracts. 4. The Alliant Credit Union Visa Signature card mainly uses the TransUnion credit bureau for approval. If you do not wish to proceed, please exit the website at this time. Current welcome offer Alliant provides a phone number, email address, and automated form on its website. While there are some third-party services that might help with this matter, it always involves some fees and it isn't really recommended. The starting credit limit for the Alliant Cashback Visa Signature card is $10,000. There was a phone number with an extension to call in that email and I called three time on three different days to possibly discuss this, but the employee did not pick up. You can also read our community reviews and hear what others have to say about their experience with Alliant Credit Union. REVIEW SUMMARY: Money expert Clark Howard has long given his endorsement to the Citi Double Cash credit card due to its 2% cash back plan, but the Alliant Visa Signature Card may provide an intriguing alternative in the cash back credit card market. I will say that all those new hires in ORD that answer are very nice. HAVE YET to get debit card many calls & emails later. Compare that to popular flat-rate cards like the Chase Freedom … It’s simply one of the best cashback cards on the market with 2.5% cash back on up to $10,000 each billing cycle. You can link your Alliant Credit Union checking account to your PayPal account. How Alliant Credit Union Stacks Up. The sole purpose of the material presented herein is to alert, educate, and inform readers. Alliant Visa® Platinum Rewards Credit Card. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. As of this review, the company has an “A+” rating with the BBB and has had 0 complaints filed against it in the last 36 months. This is a common hiring practice within the credit card processing industry that often results in a sales team composed of poorly trained or unregulated agents. A flat rate for both credit and debit transactions that are keyed-in is charged at 2.90% plus $0.25. However, it is unclear is Alliant utilizes the company’s payment gateway. If you’re not one to jump through hoops, track your spending, or juggle several credit cards, the Alliant Visa Signature is an excellent option. The Signature Card waives the $99 annual fee the first year, compared to the Alliant Visa® Platinum Card and Alliant Visa® Platinum Rewards Card cards… First car loan through AU.best credit union!!! Yes, we offer a debt protection benefit plan in the event of death, disability or involuntary unemployment. The company choosing not to employ this tactic is a positive reflection on its sales practices. Fair or better credit required. abandoned account and you have to get it back. Alliant Credit Union is an online credit union with a wide range of services, low fees, and competitive interest rates. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Information is displayed first and foremost for the benefit of consumers. Forbes Advisor gives a detailed review. If anything, this nonsense allowed me to see that this company is complete garbage. As a point of reference, Chase Merchant Services merchant accounts provide 3 different rates. Reducing credit card processing fees with your current merchant account provider. After SIX MONTHS of very slow progress, feeling our business did not matter at all, we pulled our application and went with a large lender who was much more professional and responsive - had a great experience, closed within 45 days and with very little effort on our part. See this page to learn how we support our operations. Seeing as Aliant utilizes Chase Merchant Services for its payment processing, the company is a flexible choice for merchants who do not want to be tied down to long-term contracts. Citi® Double Cash Card. I called Alliant on the 11th and asked them to ship me a new debit card after a fraudulent charge appeared. Anyways, they sent me an email for additional verification which included: signed social security card, ID and address verification. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. Alliant Credit Union was founded in 1935 and is based in Chicago, IL. When you open a high-interest checking account with Alliant, you’ll get a 0.25% APY — that’s 4.2 times the national average. To its credit, Alliant does not appear to list deceptive rate quotes in its official materials. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection. You can use the credit union's “Send Money” feature. We are leaving Alliant all together - so disgusted and disappointed in the lack of service. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. Strategies for reducing and recovering funding holds and chargebacks. I have BILLS. Getting paid to re-write this page? The 04/01/2021 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. Its members-first philosophy has always served Alliant well. Alliant Credit Union’s bold unlimited cash back offer caught our attention. With no information indicating the company alters those terms, they are awarded an “A” overall. Switching banks after 10 years with them, +45 users submitted a rating without writing a full review. I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices. Alliant Credit Union Credit Card These ratings and reviews are provided by our users. You’ll earn an unlimited 3% cash back in your first year, and then an unlimited 2.5% cash back after the first year for all of your purchases. When it comes to reporting your financial activity, this card reports to all three major credit bureaus on a … Though there is no evidence to suggest that merchants are having negative experiences through the company, the lack of clear, comprehensive customer support channels other than 24/7 phone support is the basis for the company getting a “B” rating in this category. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. It seems hardly logical that when somebody's bill charges result in non-sufficient funds that you would *charge them for not having money*, and then disable bill pay without notice, but that's exactly what they did. In a sea of big-bank cards, the Alliant Cashback Visa® Signature Credit Card holds its own. 5 82%. Simply log in to PayPal and follow the instructions there. Come to find out- they didn’t actually ship my debit card out until the 19th. The Alliant Visa Signature Card might not have a ton of name recognition, but it’s one of the best flat-rate cash-back credit cards on the market. Costs & Contract: Alliant offers month-to-month plans through Chase Merchant Services. Now I AM WARNING ALL WHO READ THIS. Unacceptable. They said it takes 7-10 business days for it to arrive which is long, but not a huge deal. It’s important to note this is a credit union card, so you should be prepared to join Alliant Credit Union if you want to apply. I recently financed my car loan from here and had a great experience. This is another 2% cash back no annual fee card, similar to Citi Double Cash (DC) (MasterCard), Fidelity Rewards (Visa), and Synchrony PayPal Cashback (Mastercard). The Alliant Credit Union Visa Platinum card is a basic balance transfer credit card that comes with a low-interest introductory rate for purchases and balance transfers. Alliant Credit Union’s High-Rate Checking account is miles ahead of its competitors in terms of APY. Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. The Alliant Visa Platinum Rewards combines solid returns with a lower interest rate and is available to a wide range of consumers. © Copyright 2009 - 2020 CardPaymentOptions.com, Inc. All Rights Reserved. Alliant is headquartered at 22620 Southeast 216th Place, Suite A, Maple Valley, WA. Debit transactions are charged a swipe rate of 1.99% plus $0.15. Things changed when it changed from UAL Employee Credit Union to stockholder Alliant Credit Union along with typical garbage management, all for top people getting or voting themselves huge salaries and expense accounts etc. Took my 250k to another bank that is FDIC ins. The company is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, a registered ISO of Citizens Bank, N.A., Providence, RI, and a registered ISO of Pueblo Bank & Trust, Pueblo, CO Tim Eckstrom is the manager of Alliant. Would love your thoughts, please comment. When you join Alliant, you are not just an account number. Alliant Credit Union’s above average rates and broad membership criteria make it worth … Alliant Visa Signature Card Review 2019.4 Update: The annual fee is increased from $59 to $99 now. As soon as I noticed, my attempts to set up bill pay at other institutions have been essentially blocked by a limit on external transfers of $250. What's the starting credit limit for the Alliant Cashback Visa Signature card? You have already seen savings rates fall, they used to be and could/should be higher than any other bank. There’s no limit to the cash back award you can earn, no foreign transaction fees, and even a generous credit line. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations. CLOSED "These guys are the best place to go for outstanding customer service, web-banking and best loan rates (including car loans, home equity loans and mortgages). Bull, Am suspicious of their definition of "merge". They closed all branch offices so now you have to call. Learn more about Alliant Credit Union and its products by browsing the services it offers. I waited. Your PayPal account links directly to your Alliant checking account. Please find more details here: https://www.alliantcreditunion.org/help/send-money. 11545 W Touhy AveChicago, IL 60666  •  map. After-hours calls are routed to Chase Merchant Services. APY=Annual Percentage Yield. Initially the loan officer was responsive and informative, making us feel confident in proceeding with the application. Click here to earn a reward. Learn how we can assist you here. Not all ATMs accept deposits. Alliant Credit Union iPhone App. Making a mortgage payment with a credit card will also increase your credit utilization ratio and hurt your credit in the long run. Was really good when members managed it back in 60s and 70s. And I waited. Overall review of Alliant Credit Union’s banking products We really like Alliant Credit Union for two things: its checking accounts, and its savings accounts. Why in the world even bother pulling my credit! No commitment, low fees, and excellent service. The company is also known as Alliant Merchant Services, Bancard USA, and Certified Government Payments. In keeping with our policy that “A+” ratings should typically be reserved for companies with 0 complaints, we agree with the BBB’s rating at this time. Negotiating credit card processing fees when changing merchant accounts. I've had nothing but good things to say about Alliant Credit Union's service and application, until I started having problems with rising food costs during the pandemic. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game. It’s a flat-rate cash back credit card that offers 2.5-percent cash back on every purchase, no matter where, when or what you buy (up to $10,000 in qualifying purchases per billing cycle). I offer merchant account and credit card processing consultation for the following needs: Copyright © CardPaymentOptions.com, Inc. 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