Alliant Credit Union Review + Benefits of An Online Credit Union

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This is a sponsored post in partnership with Alliant Credit Union.
 
This has been a crazy year for everyone. Financially, I have made changes with my budget and spending as well as saving. I’m much more intentional with my spending and have even ramped up my income so I can create an even larger emergency fund.
 
This year has even made me think about where I’m banking and if I’m making good use of my choices. Most of us sign up at a bank that is closest to our house, without considering other banks, especially online banks. If you’re like me, you probably assumed all banks offer the same thing. 
 
I started doing a bit of research to see what banks stand out and came across Alliant Credit Union

What is Alliant Credit Union?

Alliant Credit Union is a not-for-profit financial cooperative, meaning the members are also the owners. Alliant is the largest credit union in Illinois and one of the largest in the nation. 

I think what really makes Alliant stand out is their positive reviews. Alliant Credit Union offers amazing online and mobile banking services as well. They make banking simple for over 500,000 members nationwide. 

Alliant Credit Union has won several awards, including Money’s best credit union of 2019, My BankTracker best credit union of 2020, and NerdWallet best bank for online experience of 2020. 

Benefits of banking with Alliant Credit Union

  • Network of 80,000+ fee-free ATM’s available.
  • High-yield checking account with rates 4.2x the national average.
  • Award-winning online banking.
  • No sneaky monthly service fees or ATM scavenger hunts.
  • Visa Platinum Rewards – gives double reward points for every dollar you spend, with no limit on points you can earn.
  • Home Equity Lines of Credit – Borrow what you need when you need it.

Alliant also has an amazing app that is user-friendly and simple to use. I personally think the best part of the app is the Budget & Planning Tool that has a ton of features that I’ll talk about more below. 

Features of the Alliant Mobile Banking App

  • Deposit checks from your cell phone, whenever, wherever you are.
  • Log in using Face ID or Touch ID.
  • Manage credit and debit cards.
  • Report cards lost or stolen with the tap to call feature.
  • Quickly transfer money between Alliant accounts and set up automatic payments.
  • Built-in budgeting tool called Alliant Budget & Planning Tool.

My personal favorite part of the app is Alliant Budget & Planning Tool. This is a free personal finance service for Alliant members and it’s really helpful in achieving your finance goals. 

Alliant Money Management And Budget Tool

Do you need help with managing money and budgeting? Alliant has a free tool within their app called the Money Management and Budget Tool. This free feature shows you the categories where you spend the most money, whether it be groceries, dining out, clothes shopping, etc. It also helps you visualize your revolving cash flow and net worth.
 

Benefits of the Money Management and Budget Tool:

  • Automatically see balances and transactions in one place. Have a separate 401(k) or credit card with another financial institution? You can add them with ease.
  • Understand your unique spending patterns via the tool’s easy-to-read charts and graphs.
  • Conveniently access the tool anywhere on the Alliant Mobile App.
  • It’s simple to use and free.

The Alliant Money Management and Budgeting Tool also lets you set budgets and tag individual transaction amounts to ensure accuracy.

How to get started

Getting started with Alliant Credit Union after becoming a member is simple.

1. Go to Alliant Online Banking.

2. If you’re on a computer, click on “New User Setup”. If you’re on the Mobile Banking App, click on “Enroll”.

3. Follow the prompts to begin. 

Summary

If you’re wanting to take advantage of banking with a credit union that offers a ton of amazing benefits, I recommend checking out Alliant Credit Union. I truly believe the positive 5-star reviews and personal experiences of the 500,000 members speak for themselves. 
 
Banking with Alliant Credit Union offers several benefits, including a much higher savings rate than your typical bank, fee-free ATM’s, no sneaky monthly service fees, and even the free Money Management and Budget Tool within the Alliant app. Managing your money and budgeting is the fastest way to take control of your money and hit your money goals.
 
You can do all of this with the Alliant app. You can get started with Alliant Credit Union account here. 
 
Are you happy with your current bank? 
 
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