Alliant Mobile Banking 4+

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 the app, 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.

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 Alliant, 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 the app worthless for most of the deposits I end up needing to do. Forces me to bank elsewhere, too bad.

Also, why is the app 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.

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.

Alliant is a great credit union with regard to rates. The app 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 Alliant continue to offer great rates…?)