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HOA Specialists

Homeowners Associations

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Unmatched Expertise

Community Management

Western Alliance Bank specializes in financing solutions for Homeowner Associations (HOAs), Common Interest Communities (CICs) and Planned Unit Development (PUDs), through its industry-leading national division, Alliance Association Bank. This specialized team of bankers focuses specifically on the community management industry, providing in-depth industry knowledge, access to advanced technology solutions and a commitment to superior customer service.

HOA Deposit Solutions

Alliance Association Bank is a division of Western Alliance Bank that focuses exclusively on serving HOAs and the community management industry. We offer a wide range of Deposit Accounts specially designed to serve the needs of HOAs, CIDs and PUDs, including:

  • HOA Checking & Interest Checking

  • HOA Money Market Market

  • HOA Insured Cash Sweep (IC) & Money Market

  • HOA Certificates of Deposit (CDs)1

  • HOA IntraFi® Network Deposits2

Learn More

HOA Loans & Credit3

Whether you need to fund a construction project all at once, pay insurance premiums ahead of time or make improvements not covered by insurance, we have an HOA loan product that’s right for you, including:

  • Construction Lines of Credit

  • Term Loans

  • Emergency Lines of Credit


The types of projects we finance include:

  • Deferred Maintenance Projects

  • Common Area Improvements

  • Construction Defect Repair

Learn More

HOA Treasury Management Tools4

Comprehensive treasury management services for your Homeowners Association (HOA), Common Interest Development (CID) or Planned Unit Development (PUD). These services help you efficiently collect receivables, manage payables, monitor account activity and maximize investments—all to make your cash work harder for you.

  • Online Banking5

  • Lockbox

  • Remote Deposit6

  • Automatic Account Reconciliation

  • Automated Clearing House (ACH)7

  • Assessment Payment Services

Learn More

There are a handful of banks that represent themselves as HOA banks, but Alliance Association Bank does what they do better than anyone else because it is their true specialization.

Chris Harrison , Chief Operating Officer & Partner Goodwin Management, Inc.

Experience Makes the Difference

As a leading HOA, CIC and PUD banking resource, we understand your complex finance situation and the unique nature of HOA banking needs. Our customer-focused approach means you get a dedicated, experienced relationship manager—and a single point of contact—to help with all your HOA banking needs.

Our expert bankers understand the unique and complex banking and financing needs of HOAs and companies focused on community management. While every organization is different, we draw on effective systems and specialized products created exclusively for the community management industry to meet your individual needs.

About Us

Contact Us

Our expert bankers understand the unique and complex banking and financing needs of HOAs and companies focused on community management. While every organization is different, we draw on effective systems and specialized products created exclusively for the community management industry to meet your individual needs.

Get In Touch
Western Alliance Bank Headquarters

1 East Washington Street
Suite 1400
Phoenix, AZ 85004
United States

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1. Funds participating in the program are deposited into deposit accounts at participating banks, which are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 for each category of legal ownership, including any other balances a bank customer may hold directly or through other intermediaries, including broker-dealers. The total amount of FDIC insurance in an account depends on the number of banks in the program. If the balance in the account is greater than the FDIC insurance coverage in the program, any excess funds will not be insured. Customers should read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure their FDIC coverage, customers should regularly review banks in which their funds have been deposited, and notify the sending bank immediately if the customer does not want to allocate funds to a particular bank or banks. CDARS and ICS are registered service marks of Promontory Interfinancial Network, LLC. Subject to terms, conditions and disclosures set forth in the agreements. Limits and customer eligibility criteria apply.
2. Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply, and customer eligibility criteria may apply. Program withdrawals may be limited to six per month for funds placed in MMDAs. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits is a service mark, and IntraFi, ICS, and CDARS are registered service marks of IntraFi Network LLC.
3. All offers of credit are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow, documentation fees and may be responsible for any bank fees including bridge loan, construction loan, and packaging fees.
4. All offers of credit subject to approval. Some products and services may be subject to prior approval or fees. Please contact a Relationship Manager for additional details that may apply based on products and services selected.
5. Fees may be imposed for additional services related to online banking. Refer to Business Online Banking Setup and Authorization for more information.
6. A Business Checking account required. Other related fees may apply. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information. Funds deposited through Remote Deposit Capture will follow Western Alliance Bank’s funds availability policy as outlined in the Deposit Account Agreement Disclosure.
7. This functionality is based on the National Automated Clearinghouse Association (NACHA) 2017 rule adopting Same Day ACH Origination Solution as amended in 2020. Requires enrollment in Business Online Banking. Some products and services may be subject to prior approval or fees. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.