Alliant routing number

Alliant operates as a completely digital credit union without physical branches. Since it serves members nationwide through online and mobile banking rather than state-specific branch locations, it uses a single routing number (271081528) for all members regardless of where they live. This simplified structure is a direct result of Alliant's digital-first approach and makes banking easier for members who move between states.

Yes, Alliant Credit Union uses the same routing number (271081528) for both ACH transfers and domestic wire transfers. This includes direct deposits, electronic bill payments, peer-to-peer transfers, and traditional wire transfers. The only exception is incoming international wire transfers, which require using Alliant's correspondent bank information.

Alliant charges $25 for outgoing domestic wire transfers and $50 for outgoing international wire transfers. However, incoming domestic wire transfers are free, though the sending bank may charge their own fees. For businesses making frequent large payments, these wire transfer fees can add up quickly. If you process multiple payments monthly, switching to ACH transfers through a platform like Nickel could save thousands annually with free ACH payments.

The main differences are speed and cost. Wire transfers typically complete within 24 hours but cost $25 domestically and $50 internationally. ACH transfers through Alliant are free but take 1-3 business days to process. For international transfers, ACH isn't available, so you must use wire transfers. Many businesses find that standard ACH timing works fine for most vendor payments and can significantly reduce payment processing costs compared to wires.

Yes, anyone in the United States can join Alliant Credit Union. While originally founded exclusively for United Airlines employees in 1935, Alliant opened nationwide membership in 2003. Today, you can become a member by opening a savings account with a minimum $5 deposit or by becoming a digital inclusion advocate for the Alliant Credit Union Foundation, which Alliant funds on your behalf. This open membership policy makes Alliant's competitive rates and digital banking services accessible to business owners and individuals across all 50 states.