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Technology · head to head

Alkami vs Linear

Alkami logo

Alkami

Technology

Digital banking platform for United States banks and credit unions

From
On request
Rated
-
Full reviewWebsite
Linear logo

Linear

Technology

The issue tracking tool you'll enjoy using

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Linear has a free tier, so it costs nothing to try first.
  • Each has a real cost: Alkami pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.; Linear no task-level Gantt chart; Timeline view is available for projects only, not individual issues
  • They diverge on capability: Alkami covers Retail digital banking, Linear covers Fast, real-time sync.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Alkami and Linear actually diverge.

Attributes where Alkami and Linear differ
AttributeAlkamiLinear
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, iOS, Android, macOS, Windows
FoundedUnknown2019

Identical on both: user rating (Not yet rated), category (Technology).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Alkami

  • Retail digital banking
  • Business banking
  • Digital account opening
  • Payments and money movement
  • Data and marketing
  • Extensibility framework
  • Card controls
  • Multi core integration

Only in Linear

  • Fast, real-time sync
  • Keyboard-first design
  • Automatic issue tracking
  • Cycles (sprints)
  • Projects & milestones
  • Custom workflows
  • API & webhooks
  • Built-in roadmaps

What people use each for

The jobs each tool is most often brought in to do.

Alkami

  • A credit union replacing the weak digital banking bundled with its core contractnot Linear
  • A community bank that needs commercial entitlements and approvals its core vendor does not providenot Linear
  • An institution wanting digital account opening and digital banking from one vendor after the MANTL acquisitionnot Linear
  • A bank competing for deposits online and needing an onboarding funnel that works on mobilenot Linear

Linear

  • Issue management and triage, converting customer feedback into prioritized issuesnot Alkami
  • Strategic planning via initiatives, roadmaps, and PRDs from idea to launchnot Alkami
  • Agent-assisted development, with agents drafting docs and submitting pull requestsnot Alkami
  • Code review with structural diffs for human and agent outputnot Alkami
  • Progress monitoring via dashboards tracking cycle times and project healthnot Alkami

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Alkami

  • Pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.
  • Alkami is a channel layer, not a core, so functionality is bounded by what the core exposes, and a poor core integration produces a slow product no amount of channel work fixes.
  • Implementation typically runs six to twelve months and requires institution staff time, which small credit unions consistently underestimate.
  • The MANTL acquisition adds account opening but also another integration programme, and consolidating on one vendor removes leverage to swap a weak module for a best of breed alternative.
  • Buying digital banking separately from the core vendor means you own the integration risk between two suppliers who will each blame the other when something breaks.

Linear

  • No task-level Gantt chart; Timeline view is available for projects only, not individual issues
  • No native time-tracking or hour-logging feature
  • No native Linux desktop app; official FAQ states it 'may come in the future but it's not on the roadmap for now'
  • Free tier capped at 250 issues and 2 teams

Pricing, plan by plan

Alkami

On request
  • Alkami Digital Banking Platform$undefined/year
    • Priced per registered user per month with multi year terms
    • Minimum user commitments typical, so enrolled inactive users are still billed
    • Implementation and core integration charged separately

Linear

Free
  • FreeFree
    • Unlimited members
    • 2 teams
    • 250 issues
  • Basic$10/month
    • 5 teams
    • Unlimited issues
    • Unlimited file uploads
  • Business$16/month
    • Unlimited teams
    • Private teams/guests
    • Triage Intelligence
  • Enterprise$undefined/month
    • SAML/SCIM
    • Granular admin controls
    • Invoice/PO billing

Which should you pick?

Choose Alkami if

  • You need retail digital banking.
  • You work on Web, iOS, Android.
  • You also want business banking.
Alkami review

Choose Linear if

  • You need fast, real-time sync.
  • You want to start without paying.
  • You work on Web, iOS, Android, macOS, Windows.
  • You also want keyboard-first design.
Linear review

Questions people ask

Is Alkami or Linear better?
Neither clearly leads. Alkami starts at On request and Linear at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Alkami or Linear?
Linear has a free tier; the other does not. Paid plans start at On request for Alkami and Free for Linear.
Does Alkami or Linear run on more platforms?
Alkami runs on Web, iOS, Android. Linear runs on Web, iOS, Android, macOS, Windows.
Can I use Linear for free?
Yes. Linear has a free tier, so you can try it without paying. Alkami starts at On request.
What is Alkami best used for?
Alkami is most often used for a credit union replacing the weak digital banking bundled with its core contract, a community bank that needs commercial entitlements and approvals its core vendor does not provide, an institution wanting digital account opening and digital banking from one vendor after the mantl acquisition, a bank competing for deposits online and needing an onboarding funnel that works on mobile. Of those, a credit union replacing the weak digital banking bundled with its core contract and a community bank that needs commercial entitlements and approvals its core vendor does not provide are not what Linear is typically brought in for.
What can Alkami do that Linear cannot?
Alkami covers Retail digital banking, Business banking, Digital account opening, Payments and money movement. Linear covers Fast, real-time sync, Keyboard-first design, Automatic issue tracking, Cycles (sprints).

Answered from the vendors’ own pages

Alkami: Does Alkami replace our core?

No. It is the digital channel and account opening layer on top of a core such as Fiserv, Jack Henry or FIS.

Linear: How much does Linear cost?

Linear has a free tier supporting 2 teams and 250 issues. Paid plans start at $10 per user per month for Basic and $16 per user per month for Business. Annual billing is required for paid tiers.

Source
Alkami: How is it priced?

Per registered user per month on multi year contracts with minimums, so model your enrolled user count rather than your active user count.

Linear: What are the file upload limits on Linear?

The free tier is restricted to 10MB file uploads per team. Paid plans offer unlimited file uploads.

Source
Alkami: What did the MANTL acquisition change?

It brought deposit account opening in house, announced February 2025 at $400 million enterprise value, so account opening and digital banking can come from one vendor.

Linear: Does Linear offer an Enterprise plan?

Yes, Linear offers an Enterprise tier with custom pricing, annual billing required, SAML and SCIM support, granular admin controls, and priority support.

Source
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