FAQ
If you have additional questions please call our Service Center at 800.232.8669 or 408.445.3386, Monday-Friday, between 6am and 6pm PT, press 0 and a Service Center associate would be happy to assist you.
Credit Union Membership
Account Information
Online Banking
Auto Loans
Purchase Rewards

Credit Union Membership
  1. What is a credit union? How does it differ from a bank?
  2. Am I eligible to become a member?
  3. How do I become a member?

Credit unions are member-owned, not-for-profit, cooperative financial institutions.
  • Member owned: the people who have accounts at a credit union (its members) are the owners of the credit union. Members elect the volunteer (unpaid) Board of Directors that oversees the credit union practices to ensure it is doing what is best for its members.
  • Not-for-profit: by being not-for-profit, credit unions invest earnings back into the business to increase member value.
  • Cooperative: the cooperative system gives credit unions the strongest support network in the financial services world. Through this supportive effort, credit unions of all sizes combine their individual strengths and offer members a broad range of sophisticated financial services. A major member benefit of this cooperative effort is the ability to make transactions at other credit unions throughout the U.S. when far from a “home” credit union through the credit union shared branching network.

Credit unions operate under a unique philosophy of “people helping people” and exist solely to serve their member-owners.

Credit unions offer many similar services as banks; however banks are profit-driven institutions that are owned by shareholders, not necessarily customers. Banks are not tied to a certain field of membership like credit unions are. Different credit unions have different membership requirements – Alliance’s is community-based. Please refer to membership eligibility details for more information.

Meet any of the four following criteria, and you're eligible for membership in Alliance Credit Union. You can join today by applying online.
  1. Anyone who lives, works, worships or attends school in the counties of Santa Clara, San Mateo and Alameda in California; and New Hanover, Pender or Brunswick counties in North Carolina.
  2. You're an employee of the 400+ companies we serve. To find out if your company offers Alliance membership, contact your Personnel Department or call us at 408.445.3386 or 800.232.8669.
  3. You're a family member of an existing member. Family member is defined as: spouse, child, sibling, parent, parent-in-law, grandparent, grandchild, stepchildren, stepparents, stepsiblings, adopted children, foster children, brother or sister in-laws, aunts, uncles, aunt-in-law, uncle-in-law, niece, nephew or cousin.
  4. As an existing member, any person who shares your residence and who helps maintain a single economic unit is also eligible for Alliance membership. For example, this could mean two people sharing an apartment.

Credit unions are member-owned, not-for-profit, cooperative financial institutions. It’s simple to join Alliance Credit Union. Just fill out a Membership Application and deposit $35 ($10 lifetime membership fee and $25 opening balance) into a Regular Share Account. Then enjoy all the benefits that Alliance Credit Union offers.

Click here to join online.

Your savings at Alliance Credit Union are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
Account Information
  1. How do I open a new account?
  2. What is Alliance’s routing number?
  3. How do I change my address?
  4. I lost my debit card; how do I order a replacement?
  5. How do I sign up for direct deposit or payroll deduction?
  6. How do I create an automatic transfer from my checking into savings?
  7. How do I transfer funds online from my account into another Alliance account that is not my own?
  8. How do I reorder checks?
  9. How do I dispute a transaction?
  10. I plan on going out of the country. What do I need to do?
  11. What is the limit for transactions to and from my savings account?
  12. When I schedule an automatic loan payment, when will my account be debited for the payment?
  13. What is Courtesy Coverage? What is my overdraft limit?
  14. If I make a deposit at an Alliance ATM, when will my funds be available?

  • Existing Members:
    Please call us at 800.232.8669 between 6am – 6pm PT or stop by any financial center during normal hours.
  • New Members:
    If you are applying for membership online, you can select those accounts you wish to open in the online application. Otherwise, please stop by an Alliance Credit Union Financial Center to become a member and open any new accounts you’re interested in.

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  • Online Banking users: please click on the USER OPTIONS tab and select the appropriate change function.
  • Non-Online Banking users: A signature is required to complete any portion of an address change. You can send your request to Alliance Credit Union, PO Box 18460, San Jose, CA 95158, fax it to 408.445.9327, or visit a local financial center

Due to security constraints, we cannot process debit card replacement requests online. Please call our Service Center at 800.232.8669 or 408.445.3386 , Monday-Friday, between 6am and 6pm PT, press 0 and a Service Center associate would be happy to assist you. Or you may stop by any financial center during normal business hours.

Click here to download the Direct Deposit/Payroll Deduction Form

To have all or part of your paycheck automatically deposited into your Alliance Credit Union checking or savings account, fill out the Direct Deposit/Payroll Deduction form and return it to your employer’s payroll department.

There are three options to setup automatic transfers between your accounts.
  • Online. Sign into Online Banking and set up a recurring automatic deposit as follows:
    • Click on Transfers
    • Click on Scheduled Transfers
    • Click on Add
    • Complete each section and click to Save Transfer
  • Fax. Fax a written request with signature to 408.445.9327
  • In person. Stop by a local financial center and an Alliance Credit Union representative can assist you.

Click here to download the Online Banking Cross Account Request Form

In order to transfer funds online from your Alliance account to another Alliance account that is not your own, you must fill out the Online Banking Cross Account Request Form. Please bring it in to any financial center or mail it to:

Alliance Credit Union
Service Center
PO Box 18460
San Jose, CA 95158

Under the “What we offer” tab, select “Tools & Services.” Here is where you find the link “Order Checks.” Once you click on that link, you will be taken to our partner’s site, Deluxe Corp, where you can place your check order.

Depending on the type of transaction you want to dispute determines what actions you need to take.

Using your debit card is the same as giving the merchant a check that has already cleared or cash. You will need to file a dispute directly with the merchant for any of the following reasons:
  • you feel the merchant did not provide you with the product or service you expected
  • you were not satisfied with their service
  • you believe you were wrongfully charged

If you are filing a fraud claim—you think someone has stolen or your card or card data—then there are a few steps that need to be completed:
  1. Contact Alliance immediately at 800.232.8669 so we can block your card and order you a new one
  2. Complete the MasterCard Dispute Form
  3. Complete the CUNA Cardholder Dispute Form
    1. California residents: click here
    2. Non-California residents: click here
  4. Complete the Unauthorized Transactions form
  5. Depending on circumstances additional forms and a police report may be required
For further assistance, please contact us at 800.232.8669.

Alliance requires a written, signed travel plans notice in order to enter this information for our debit card fraud monitoring service. The request needs to include:
  • Your account number and name
  • What countries or states you will be visiting
  • The arrival and departure dates for each country or state

You can visit a local financial center, fax the written, signed travel plans request or send your request through our Secure Email within Online Banking.

Please be sure to have our debit card fraud monitoring service direct telephone number with you in case your card does not work. You may call 24 hours a day.
  • Outside the United States: 909.941.1034, collect calls are accepted
  • Within the United States: 888.241.2440

Regulation D is a government regulation which allows for six (6) electronic transfers, checks, and withdrawals from a savings account in any given month. Once you have reached this limit, your signature would be required in order to complete the transfer. You can either visit a local financial center or fax your signed request to 408.445.9327.

The funds need to be available in your designated account on the due date as the system will only attempt to debit from the account at the end of the business day on that date, unless the due date falls on a weekend or holiday. If the due date falls on a weekend or holiday, the payment will be debited at the end of the next business day. For example, if the due date falls on a Saturday, your account will be debited the amount of the payment on the following Monday.

If the funds are not available in the account on the date the system attempts to debit, you will need to transfer any additional funds needed to complete the loan payment into your account. You can do this by either calling our office at 800.232.8669 or via Online Banking.

Rather than automatically returning unpaid, non-sufficient fund items which could then cause you to incur a fee from the payee, Alliance will pay these items up to $700. During the time period when you do not have sufficient funds in your account, you will incur an NSF/overdraft fee for each transaction that is posted. Please see fee schedule for current fees.

As long as you bring your account current within each 30 day period, this benefit continues uninterrupted. Each time an overdraft occurs, we will send you a notice.

You are automatically enrolled in this program for checks and ACH debits 30 days after you open a checking account unless you tell us otherwise. You must opt-in to participate in this program for debit and ATM transactions. Please click here to complete the Opt-in Form for Debit/ATM Transactions.

The first $500 of funds from deposits you make at a Credit Union ATM or at any CO-OP ATM in which we participate will be available immediately. If the deposit was made at a CO-OP ATM, the remaining funds may not be available until the fifth business day after the day of your deposit. If you make a deposit at our Alliance Credit Union ATM (all ATMs we own or operate are identified as our machines) before 3:00 p.m. on a business day, the remaining funds will be available on the following business day. If you make a deposit at a Credit Union ATM after 3:00 p.m. on a business day, or on a weekend or holiday, the remaining funds will be available as if you had made the deposit on the following business day.

Saturdays, Sundays, and holidays are not business days.

Please see our Funds Availability Policy for complete deposit details.
Credit Union Membership
  1. How do I sign up for Online Banking?
  2. How do I reset my Online Banking password if I forgot it?
  3. In the list of my transactions, I see some labeled as “Memo.” What does that mean?
  4. How do I unsubscribe to Alliance promotional emails?
  5. How do I sign up for eStatements?
  6. How can I pay my bills through Online Banking?
  7. What are the payment options within Bill Pay? What if I need to pay a bill with a check?

If you were not given an access ID and passcode upon account opening, please contact the Service Center at 800.232.8669 between 6am and 6pm PT, press 0 and a Service Center Associate would be happy to assist you. You may also visit any financial center location during normal business hours.

  • click on FORGOT PASSCODE
  • the system will require you to answer your 3 security questions
  • if the security questions were answered correctly, your passcode will automatically reset

If you either forget the answers to the questions or are not entering the answers exactly as you originally did, then you need to call the Service Center at 800.232.8669 to be reset or visit a local financial center.

Memo simply means the transaction is pending.

Whenever you use your debit card as a credit card the amount of the transaction is automatically placed on a pre-authorized hold. Once the merchant submits their paperwork through their processing vendor the hold amount drops off of your account and the actual transaction posts to your account. The hold will remain on the account for no longer than 3 days; however, can drop off sooner based on how quickly the merchant submits their work to their processing company. The amount of the pre-authorized hold is set by the merchant. Most merchants are dollar for dollar as they know the exact amount of the transaction at the time you are doing the transaction.

When you use your card at the pump at a gas station their system is simply making sure the card is valid as they have no way of knowing how much gas you will be pumping at the time of authorization. Most stations will hold only $1 to verify the card; however, some will hold $50 or $100 depending on their policy. The Credit Union has no authority over the merchants on the amount of the hold. You can bypass this hold if you take your card to their manned window and have them post an exact amount of gas that you wish to pump.

To opt out of receiving promotional emails, please sign into your Online Banking and click on USER OPTIONS. Select CHANGE PROMOTIONAL EMAIL SUBSCRIPTION function.

Completing this selection will only opt out the account from promotional emails. Account notification emails, such as eStatement emails, will continue.

Login to Online Banking and click the “E-Statements” tab. Follow the instructions that appear.

Click on the “Payments” tab within Online Banking and then select Bill Pay. Once you click on PAYMENTS, VIEW AND PAY BILLS the system will bring you to the PAYMENT CENTER. From this screen all you would need to do is enter the amount for each payee you would like to pay. The date will automatically pre-fill with the first possible pay date. This date will be the date the payee should receive the payment. This is also the date your Alliance checking account will be debited. You can select any date past the first possible date or leave this date in place.

Once you have entered all of the amounts you want to pay click on MAKE PAYMENTS at the bottom of the payees. A list will appear displaying these payments. If everything is correct click SUBMIT. When the PAYMENT CONFIRMATION screen appears click FINISHED. You will then be able to view your pending payments on the right hand side of the screen.

Payments scheduled using your Bill Payer Service can be sent out in 3 ways. They can either be transmitted electronically, based on the payee acceptance method, by corporate check or by draft.

A draft is a check sent from the Bill Payer provider; however, encoded as a check from your account. Drafts will clear from you account as any check you have personally written clears. Drafts check number start with 995.

Electronic payments or corporate checks will clear on the date you have set up for the payee to receive payment. If you set up a payment and select the date that automatically appears in the date field, the payment will be sent out to be received and debited from your account on that pay date. You can always select a date later then the automatic date appearing in the date field; however, you would never be able to select a date prior to that date.

If you have additional questions or concerns regarding this process please click on HELP located just above the MY ACCOUNTS button or call our office at 800.232.8669 between 6am and 6pm PST, press 0 and a service center associate would be happy to assist you.
Auto Loans
  1. How much does it cost to apply for a loan?
  2. Does it matter if I want a New or Used car?
  3. What will my interest rate be?
  4. I have limited or no credit history, how can I get approved for a car loan?
  5. Why should I refinance my existing car loan?
  6. What are the standard Terms of Repayment?
  7. Is there a pre-payment penalty on my auto loan?
  8. Does Alliance offer Protection on my loan?

At Alliance credit union there is never any cost to apply, or obtain an auto loan with us.

The choice of New or Used is yours. Alliance offers attractive rates and terms for both.

Your interest rate will depend on your credit and other criteria. We will assign your request to a credit specialist who will determine the best rate for your credit situation. The rate we offer will depend on the following variables:
  • The size of your down payment
  • Your credit history
  • Whether you are buying a new or used vehicle
  • The term of repayment you choose

Applying for a car loan with limited or no credit history can be frustrating. Consider applying with a Co-signer. They agree to be equally responsible for repayment of the loan and their excellent credit history can support your lack of established credit.

Also consider a smaller loan amount to begin establishing a repayment history. A large down payment and a smaller loan request is taken into consideration along with other factors. Some of these factors may include:
  • A long term employment history
  • A shorter repayment term
  • Other established sources of payment history, such as a long term apartment rental, or established repayment on a utility bill

We will always review your request and make recommendations that may assist you in obtaining your first auto loan.

There are a variety of reasons why you might consider refinancing a vehicle with Alliance.

The most common reason is to lower your interest rate. If interest rates have fallen since you obtained your existing loan, it may be time to consider refinancing. Call us at 1-800-232-8669 and we can determine your interest savings.

The second reason to consider refinancing is to lower your monthly payment. You can do this by reducing the interest rate you are paying as mentioned above, or by extending the term of repayment. Again, we will calculate your monthly savings for you when you call 1-800-232-8669.

Available repayment terms include as short as 24 months or as long as 84 months for New and Used on vehicle model years 2004 and higher. You will maximize your interest savings by taking the shortest term within the payment range you can afford. 60 months or five years is the most common repayment term chosen.

24 to 60 months repayment terms are available on vehicle model years 2003 and older.

Alliance does not have a pre-payment penalty on any loan we offer.

Yes, Alliance offers a variety of protections that include Life, Disability, and Unemployment. You may choose one or a combination of these to ensure the safety of your family and your credit when unexpected circumstances occur.

Other protections include GAP, or Guaranteed Accident Protection. This protection will payoff the difference between what your insurance company will pay on a total loss accident and any balance remaining on the loan. When you finance your replacement vehicle with Alliance, this coverage will give you $1000.00 towards your new purchase.

MBP or Mechanical Breakdown Protection will also offer you some relief when unexpected repairs are needed on your vehicle. A variety of coverage’s are available to fit any budget.
Purchase Rewards
  1. What is this rewards program?
  2. What is the benefit of these offers in my online banking account?
  3. How do I earn rewards?
  4. Do I need to use a coupon or code to earn rewards?
  5. Can I use another coupon or discount from this retailer with my offers?
  6. If I have more than one account, will I see the same offers on both accounts?
  7. Can I use any of my debit cards to earn rewards?
  8. I see offers, but I don’t have a debit card. How do I take advantage of these offers?
  9. Is my personal information shared with retailers?
  10. Is this program free?
  11. How do I sign up?
  12. What if I do not want to receive offers?
  13. Will I still earn rewards if I opt-out?
  14. How do I opt back in?
  15. Where do I shop/ When do I shop/ How much do I have to spend to get rewards?
  16. Do I have to shop online?
  17. Where do I go to see offers?
  18. How long do I have to take advantage of an offer?
  19. Why don’t I have any offers?
  20. I used to see the program when I logged into online banking, but it’s not there any longer.
  21. Where can I find my expired or redeemed (used) offers?
  22. How do I redeem offers?
  23. When do I receive the rewards for the offers I redeem?
  24. How can I view all of my offers and/or how can I tell what offers I am supposed to be credited for?
  25. How long do I have to take advantage of an offer?
  26. If I return merchandise used to redeem an offer, do I keep my rewards?
  27. Do I have to pay any taxes on the rewards I earn?
  28. I haven’t been receiving any offers.
  29. I did not receive my rewards when I made my purchase.
  30. I did not receive the correct amount of rewards.
  31. I saw an offer earlier, but when I went to the new home page, it wasn’t there.
  32. I had an offer that expired yesterday. Can I still get it?
  33. Someone I know received an offer I want. How can I receive that offer as well?

This rewards program lets you earn rewards by using your Alliance Debit Card to purchase merchandise and services. The program is available to all debit card users. Through this program, you’ll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn. So, the more you use your Alliance’s debit card, the more offers you can receive and the more rewards you can earn!

This is a new program Alliance is providing to help you earn even more rewards. We bring you offers from the types of retailers you shop with every day.

This rewards program is based on how you currently shop, so the offers you receive are relevant to you. The more you use your debit card, the more chances you have to receive offers. Using technology centralized within Alliance Credit Union, your transactions are matched with current merchant offers.

To earn rewards, click on an offer to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward.

Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.

Yes, if the amount paid with your debit card meets the requirements of the offer after the coupon or discount is applied.

Offers are matched on an account level, based on the purchases made with your debit card for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use the debit card connected to that account to redeem the offers for that account.

You have to use your debit card that is associated with the account that received the offer to earn rewards.

Please ask us about getting a debit card associated with that account so you can start taking advantage of your offers! Give us a call at 800.232.8669 or stop by any financial center.

No. Your personal information is not shared with retailers. In fact, no personal information leaves Alliance.

Yes, this program is free! There is no cost associated with this program, making it easy for you to earn rewards. This new rewards program is just another benefit of using Alliance Debit Card.

If you have a debit card, you are automatically enrolled in this rewards program.

You can opt-out by clicking on the “Stop receiving all offers” link on the rewards summary page. This link can be found in the upper right part of the rewards summary page. If you opt-out of the rewards program at this time but change your mind later, please contact our Service Center at 800.232.8669 and we will resume providing offers to you.

Rewards earned prior to opting out will be credited to your account.

If you’ve opted out of the rewards program but change your mind at a later time, please contact our Service Center at 800.232.8669 and we will resume providing offers to you.

Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward.

Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.

Each offer has different specifics regarding when and where to shop and how much you need to spend. Offers that must be made online are clearly specified and may include a redemption code.

You can find offers on the new home page beneath transactions in the transaction history or in the “rewards” section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page. New offers will be labeled as “New Offers” until you click to activate them. Once clicked, the reward is “loaded onto” the associated debit card. All offers can be viewed by visiting the rewards summary page.

Each offer has an offer period that was set by the retailer. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.

Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your Alliance Debit Card, the more chances you will have to receive relevant offers!

You may not be receiving any offers because you accidentally opted out of the program. If you cannot access the rewards summary page or don’t see the “rewards” section in the upper right part of the new home page, you are not enrolled in the rewards program. Please call our Service Center at 800.232.8669 to be opted back in.

Offers are only presented to eligible account types. It is possible that Alliance has restricted your accounts from this program because your account type is or no longer is eligible.

Expired offers can be accessed through a link at the bottom of the rewards summary page. The expired offers page shows your expired offers in the last 90 days and excludes any offers that you have redeemed.

Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.

Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.

To view all offers that you have redeemed, go to the rewards summary page. The rewards summary page contains all offers you have received, those you have redeemed and the specifics for each offer including the offer expiration dates.

Each offer has an offer period that was set by the retailer. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.

Yes, you will keep any rewards earned.

No, you do not have to pay any taxes on your rewards. These rewards are similar to other coupons, except they are redeemed more easily by using your debit card.

Offers are based on how you currently shop, so that the offers you receive are relevant. If don’t frequently use your debit card, you may not be receiving any offers. The more you use your Alliance Debit Card, the more chances you will have to receive relevant offers!

Rewards are not received at the point of purchase because no personally identifiable information is passed to the retailers. On average, you will receive rewards for redeemed offers approximately one month after the month the redemptions were made. For example, redemptions made in September will typically be credited to your account approximately at the end of October. Check the rewards summary page on the website to ensure the purchase qualifies as redemption of the offer.

Each offer has different specifics regarding when and where to shop and how much you need to spend. Check the rewards summary page on the website to ensure the purchase qualifies as redemption of the offer.

The offer either expired or was redeemed. Expired offers can be accessed through a link at the bottom of the rewards summary page. The expired offers page shows your expired offers in the last 90 days. Redeemed offers (for the current month and previous two months) are displayed in the “Enjoy” column of the rewards summary page.

No, once an offer has expired there is no way to retrieve it. You can view expiration dates for all your offers on the rewards summary page.

Each offer received through the rewards program is based on how your currently shop, so the offers you receive are relevant to you. Since everyone’s transaction history is different, there is no specific way to get someone else’s offer other than to have the same transactional history as that cardholder.
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Union, All Rights Reserved
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency