Personal Financial Management

The Alliant Budget & Planning Tool shows you the categories you spend the most on (dining out, groceries, travel, etc.) as well as helps you visualize your revolving cash flow and net worth.

You can also access the tool through our Alliant Mobile Banking App which is available on smartphones and tablets using Apple iOS or Google Android™. If you have a different device, please use our mobile optimized website.

Why use our Budget & Planning Tool?

• See all your balances and transactions together in one place, automatically. Have a separate 401(k) or credit card with another financial institution? It’s no problem to add them.
• Understand your spending patterns via the tool’s easy-to-read charts and graphs.
• Tag individual transaction amounts to ensure accuracy.
• Conveniently access the tool at home or on-the-go on our Alliant Mobile App.
• It’s simple . . . and free.

To get started log in to Online Banking.

The Secure Way To Control Your Finances

Since 2003, Alliant has been protecting today's and tomorrow’s members by providing all members with secure online statements (eStatements). These PDF files contain all the same information as paper statements and look just like your printed statement. The only difference is they are delivered securely through Online Banking instead of through the mail.

eStatement Benefits

Once you sign up for eStatements, make sure you take advantage of these benefits:

• Free: Yes, free and secure access to online banking and eStatements (up to 18 months of statements)
• Fraud deterrence: Remove the paper trail and reduce your chance of mail fraud or identity theft – especially helpful during vacation seasons
• Immediate access: View, download and print your statement the day it becomes available
• Automatic notifications: Turn on free email notifications that let you know the moment your statement is ready
• Convenient, centralized storage: Immediate access to not only your account statements but also your important tax statements 
• Eco-friendly: eStatements help reduce Alliant’s carbon footprint as well as paper and energy usage.
• Free access: When you sign up for eStatements, you get access to Alliant’s Online Banking system so you can easily manage your money

Paying bills made easy

• Pay all your bills online for free with no monthly fees, no limit on the number of payees and no per-transaction fees 
• Instantly pay your Alliant loans, mortgage and credit cards
• Schedule automatic and recurring payments 
• Most payments can be credited to your payee within 2 business days 
• Cancel or change a scheduled payment

An Alliant checking account is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account. However, if incurred, applicable fees will apply. Please refer to the Alliant Fee Schedule for a complete list of these types of fees.

Free Credit Score

As a valuable part of membership, Alliant provides members their credit score free of charge

Your credit score is a key indicator of your creditworthiness, representing the likelihood to meet or become delinquent on a credit obligation in the future. A high credit score may save you thousands of dollars in interest and premiums if you’re in the market to open a credit card, get a loan, and obtain insurance. Use this credit score to help you monitor and improve your credit worthiness.

We will update your credit score quarterly. This is not a hard pull and will not impact your credit rating. Not all members will have their credit score displayed in Alliant Online Banking. You can opt out at the credit scores details page on Alliant Online Banking.

Keep in mind, there are many different credit scoring systems with different scales; a “good” credit score depends on the scoring system. The credit score displayed in Alliant Online Banking is VantageScore®. It was developed by the three national credit reporting companies (Experian, Equifax, and Trans Union). Unlike other scoring models, the VantageScore uses one set of calculations for all three bureaus, resulting in a more uniform and consistent score. This model weighs your payment history, credit utilization, outstanding balances, depth of credit, recent credit, and available credit to calculate your credit score.

Regardless of the model’s score range, higher scores indicate to lenders that you’re a less risky borrower, while lower scores indicate that you’re an increased risk.

Login and Password made easy

• Create a username that’s easy for you to remember (instead of using your Alliant membership number)
• Recover your username or reset your password online
• Receive notification when your session is about to time out due to inactivity. You can choose to stay logged in or log out
• Send and receive Secure Messages about your account. (To keep your account information confidential, Secure Messages are stored and accessed through our secure server, not sent by e-mail)
• View your account login history to make sure no one else has logged into your account
• Enjoy the security of having all your sessions encrypted

Managing your settings made easy

• Change your username, password or security questions
• Manage and update your personal contact information
• Activate your VISA® ATM Debit Card, and change your PIN (Personal Identification Number)