Free checking without the gotchas

Enjoy ultimate flexibility and peace of mind. No monthly maintenance fees. No minimum or maximum balance requirement. No gotchas. Just free checking.

The Run Down
  • No monthly service fee20 or minimum balance requirements
  • Over 80,000 surcharge-free ATMs59
  • ATM Rebates up to $20/month for out-of-network ATMs (excludes 1% Visa foreign transaction fee)
  • Free Visa® debit card 
  • Android Pay™, Apple Pay™ and Samsung Pay™ compatibility38
  • Free first box of checks
  • Easy to use online banking and mobile banking apps
  • Courtesy Pay and Overdraft Protection
  • NCUA insured to at least $250,000
  • Note: Alliant does not offer business checking accounts
Earn 1.45% APY on your savings!

Grow your savings faster with Alliant's higher savings rate.

Learn more now

Bankrate logo - Best Credit Union of 2017

"Best Credit Union of 2017" - Bankrate

GoBankingRates Logo

"Best Free Checking Accounts of 2016" - GoBankingRates


"Best Bank for ATM Lovers and Best Free Checking Account of 2017" - NerdWallet

Save your money with fee-free checking

No unexpected fees

You won't pay another monthly service fee or minimum balance fee with Alliant Free Checking. Isn't spending money on the things you love so much better than spending it on unexpected banking fees?

*Standard fees such as Non-Sufficient Funds (NSF) and check printing do apply, but are much lower than many banks. You can see our simple fee schedule for a complete list.

ATM rebates

Tired of ATM fees? With our ATM Rebate Program, we’ll pay you back up to $20/month in ATM charges20 (excludes 1% Visa foreign transaction fee). We deposit rebates into your account at the end of each day, so you’ll get the money back quickly.

Free Visa ® Debit Card

Use your Visa® debit card to pay anywhere Visa is accepted, or use it to withdraw, transfer or deposit money through our huge ATM network. Traveling internationally? You'll only be charged 1% by Visa (their ISA fee) for foreign transactions — much less than the 3% that major banks may charge!

Free first box of checks

Enjoy your first box of checks free! After the first box, you can order more checks for as low as $15 per box.

Safe and secure

You’re protected against fraudulent activity on your Visa debit card purchases with the Visa zero-liability guarantee37. This helps block suspicious transactions that take place, particularly when they occur in foreign countries where fraud is widespread. If you are planning to travel internationally, please call us at 800-328-1935. You can also fill out a travel notification form in online banking.

Lost or stolen debit card
If your card is lost or stolen, please call us at 800-328-1935 (24/7). For international inquiries, call 773-462-2000.

See our security center to learn why you are safe with Alliant.


Don't worry about overdrafts

Anyone can make a mistake once in a while and overdraw a checking account. We offer two programs to help you avoid accidental overdrafts — Overdraft Protection and Courtesy Pay20. Opt in to either program, or both, to ensure maximum protection against inconvenient overdrafts.

Overdraft Protection

Increase your peace of mind by opting in to free Overdraft Protection. We’ll automatically transfer money from your Alliant Savings or Alliant Supplemental Savings Account to avoid overdrafts from check or debit card purchases. 

Courtesy Pay

With Courtesy Pay, Alliant will cover checks, electronic payments, debit card purchases, and transfers that won’t clear due to Non-Sufficient Funds (NSF), helping you avoid the hassle and expense of declined transactions. Note: there is a $28 fee per covered item. The overdraft balance and Courtesy Pay fees are due within 17 days. 

Convenient online services

Online bill pay

Easily pay your bills online with zero fees. You can set up an unlimited number of payees, and schedule automatic and recurring payments.43 You can also pay your Alliant loans, mortgage or credit cards. Cancel or change scheduled payments at any time using online banking.


Free transfers

Transfer money between Alliant accounts or to accounts outside of Alliant for free. You can schedule transfers as one time, future or recurring. All incoming transfers to Alliant are free. We also offer wire transfers for a fee — $25 for domestic and $50 for international. 

Go paperless with eStatements

Reduce the clutter in your life with Alliant eStatements. eStatement PDF files contain the same information as paper statements, but they’re delivered instantly and securely through online banking. You can access 18 months of past statements through online banking.


Easy access, anywhere

Save a trip to the ATM with mobile deposits

Instantly deposit your checks from your iPhone, Android smartphone or tablet. Our mobile deposit app uses a secure, encrypted connection to keep your data safe. Approved checks are available immediately up to your daily limit. Save yourself a trip to an ATM and get fast access to your money with Alliant mobile deposits. Download the Alliant Mobile Deposit App.

80,000+ surcharge-free ATMs & ATM Rebates

You have access to our massive network of surcharge-free ATMs. You can easily make deposits (not available at all ATMs), withdraw funds and check account balances. To help you avoid the pesky fees that other banks may charge, we offer rebates for fees charged at ATMs that are out of the network (up to $20 per month, excludes 1% Visa foreign transaction fee). Find an ATM.

Phone banking

Call our phone banking line 800-328-1935 (24/7) to monitor transactions and deposits, check account balances or conduct transactions. Learn more about phone banking.

Online checking application

You can complete the entire Alliant Credit Union Checking Account application using our convenient online form. Apply now to get started with free checking that’s truly free.42

Free checking that's truly free!

Standard fees such as Non-Sufficient Funds (NSF) and check printing do apply, but are much lower than many banks'. Non-standard service fees may apply, please view our full fee schedule. Fees subject to change.

Courtesy Pay Fee (per occurrence) $28
Non-Sufficient Fund (NSF) Item (each) $25

Free Checking FAQs

Does Alliant Free Checking pay a dividend?

No. Alliant's Free Checking Account does not pay a monthly dividend. However, our high-rate checking account pays one of the highest checking account rates in the country with no minimum balance required. Please see additional requirements for Alliant High-Rate Checking

Are there any fees with an Alliant Checking Account?

You’ll enjoy ultimate flexibility and peace of mind with an Alliant Checking Account. There are no monthly maintenance fees, no minimum balance requirement and no maximum balance limit. Best of all, you get easy access to your cash through our 80,000+ surcharge-free ATM network and up to $20 per month in ATM rebates (excludes 1% Visa foreign transaction fee)!

Standard fees, such as non-sufficient funds (NSF) and check printing, do apply.

Will I get a Visa® debit card with my Alliant checking account?

Yes. You will receive a free Visa® debit card that you can use for purchases, and for withdrawals or deposits at ATMs (deposits not accepted at all ATMs).

Do Android Pay, Apple Pay and Samsung Pay work with my checking account?

Absolutely. Your Visa debit card tied to your Alliant Checking Account is compatible with Android Pay, Apple Pay and Samsung Pay. Learn how to enroll your debit card in your preferred mobile payment platform today.

Does Alliant rebate fees if I use an out-of-network ATM?

We do offer ATM rebates – up to $20 a month for members who have an Alliant Checking Account (excludes 1% Visa foreign transaction fee). In fact, we deposit rebates in your account at the end of each day – so you get the money back quickly.

What types of transactions are eligible for the ATM rebate?

Deposits, withdrawals (including international withdrawals!), transfers, or balance inquiries from your Alliant Checking Account or Teen Checking Account, are all transactions eligible for our ATM rebate, up to $20/month. International withdrawals will still have a 1% Visa foreign transaction fee. Be sure to use your Alliant Visa® checking account debit card when making a transaction.

Does Alliant offer Cashier’s checks?

Alliant offers an "Official Credit Union Check" that function the same as a Cashier's Check. You can get an Official Credit Union Check by requesting one through Alliant Online Banking, by calling Alliant Phone Banking at 800-328-1935, or by visiting an Alliant Branch. Funds are deducted from your account at the time the Official Credit Union check is issued. There is no fee for the issuance of an Alliant Official Credit Union check unless you request that the check mailing be expedited, in which case you will be charged for express shipping. 

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