Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
By Paul Brucker
Did you know that you’re better protected when you use your signature – rather than your card’s Personal Identification Number (PIN) – to make purchases with your debit card?
Debit cards, like credit cards, can be vulnerable to data breaches. One security problem is skimming. Skimming takes place when thieves cleverly install a device in a point-of-purchase payment terminal that captures the information on your card’s magnetic stripe and also the PIN you type on the keyboard. And there other ways to hack security, such as the methods used by thieves to cause millions of credit and debit cards to be compromised at Home Depot and Target.
But what if the hacker doesn’t capture your PIN? If you used your Alliant Visa® Debit Card to make a purchase with a signature, you will be covered by Visa’s Zero Liability1 purchase protection benefit because signature transactions are processed on the Visa network. PIN transactions, however, are not processed on the Visa network and thus may not be covered by the Visa Zero Liability purchase protection benefit.
Although this might sound a bit counterintuitive, here’s how to make signature purchases with your debit card:
Like with a PIN transaction, a signature transaction will be debited from your checking account.
In sum, when it comes to making purchases with your debit card, there’s more protection when you sign than when you use your PIN.
Get even more personal finance info, tips and tricks delivered right to your inbox each month.
Thanks for subscribing to Alliant's Money Mentor newsletter! You will now receive personal finance tips in your email inbox each month.
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.