I submitted applications to 3 financial institutions online; US Alliance Credit Union was the only one that replied. There is more than one interview. You are able to choose the day and time of the interviews. Prior, they remind you of the interview schedule you have chosen via email. The phone interviewer called on time and was not intimidating with her questions or her tone of voice during the interview. You are not let hanging. They send an email whether you will move forward or not to the next step.