<prompt> Human: Hey all! Due to changing situations in banking and in my life, Im currently considering switching myself and my fiancee from two separate Discover Bank accounts to a single Alliant FCU account. I love what they have, such as interest checking, ATM fee reimbursement, and Apple Pay compatibility, all of which Discover doesnt have. Plus I can still keep my Savings and Checking in the same place.The only thing that gives me pause is what Ive read online. Pretty much everything that Ive read from different Reddit threads over the last few years has said theyre excellent in basically all ways. NerdWallet has them very highly rated as well. But many reviews that I read online talks about difficulties with customer service, difficulty getting money out, holds being placed on making payments for credit cards... Can anybody speak from their personal experience how things have been if youve used Alliant as your main bank for some time?Thank you!  <response>: Also very happy Alliant CU member here. Ive used two different local credit unions, Ally Bank, and a couple other big brand banks. The value, service, and account termsrates that Alliant provides has been the best Ive ever used. Additionally, I purchased a new car with an Alliant auto loan. They beat every other bank and credit union by a full percent. I usually have two or three paper checks to deposit every month and they post immediately. Their mobile app check deposit is the best Ive ever used because it can find the outline of the check and snap off the photo very quickly. I dont even lay checks on a flat surface I just hold them in my hand and it gets them perfect every time. Ive called and emailed member services with no issues whatsoever. Always helpful folks. In regards to my direct deposits they always post on pay-day. In fact I can see the direct deposit as a pending transaction usually 2-3 business days prior to pay-day. Occasionally I need to do ACH transfers to and from an outside institution and Alliant completes the transaction in one business day. You should be aware when you open a new account you are subject to special conditions for 30 days. Its nothing unusual, but certain checks may or may not take some time to clear. I never had any issue with direct deposit in the 30 day window. This is from their account agreement on page 11: 4. SPECIAL RULES FOR NEW ACCOUNTSIf you are a new member, the following special rules will apply during the first 30 days your account is open: In most instances, funds from deposits of government checks and low-risk items payable to the members on the account will be available for withdrawal on the day we receive the deposit. Funds from the deposit of personal and certain business checks will be available for withdrawal on the ninth business day after the day of the deposit. Alliant does not accept third-party checks for deposit into new accounts. Your ability to utilize certain features of our online banking, mobile banking, automated phone banking, etc., may be limited.You can view the full agreement by clicking hereeditformatting 