conversation: User (Always_BSI): "Hello. I frequent this sub from time to time. I recently made the switch over from Wells Fargo over to Alliant credit union. As of today I closed all my accounts with Wells Fargo and moved all my auto bill payments to Alliant and finally had my direct deposit approved.\n\nI just wanted to let those know that are on the fence about online only credit unions with no brick and mortar that this online experience has been nothing but pain free and awesome. I originally opened up a savings and checking account, but today I called and asked if I was able to open up an additional savings so I can have it as my emergency fund. To my surprise unlike Wells Fargo there is no annual fee, no daily balance needed etc.\n\nThe lady asked if I wanted to open it right now on the phone and that she would just ask me a few security questions. Not even 3 minutes later she said my new savings account was added and would be reflected online. She told me I could change the name to emergency fund if I so desired. I wish I would have made the switch sooner. It's almost to good to be true when I look at all the non fee things that come along with this credit union compared to Wells Fargo. \n\nThe next thing I want to do is to open up a credit card with Alliant. I recently heard they do 2% now on purchases. Those with a Alliant account or CC how has your experience been so far? I've been with them for about a month and so far it's been the best banking experience of my life. \n\nHands. Down. \n\nEDIT: This thread blew up overnight as I was sleeping and I'm having trouble replying to a lot of you so I'm sorry if I didn't answer your questions. But I did answer back to a lot of you. \n\n[Here](https://imgur.com/a/al35P) is a few screenshots of what my online CU app looks like when viewing my balance etc. The other picture shows a list of the nearby ATM I'm able to use for fee. I'm showing this in case anyone ever wondered what a CU app looked like. It's literally the same as any other bank app I imagine. \n\nA lot of you had the same questions regarding how to deposit cash, how to take out cash, any ATM fees, etc. I'll link you the FAQ from Alliant so I don't have to keep repeating myself and so people don't have to dig through all the comments to find the answers:\n\n\nhttp://myalliantcreditunion.com/google/offers/frequently-asked-questions\n\nIf anyone has questions for me just PM me instead I will gladly answer back whenever I can. \n\n\n\n"
  Self: "Why deposit the cash tips at all? I would stock pile that and use it as needed for discreet purchases. Some cash is always good to have."
  