The path to financial independence

The Alliant Teen Checking Account is specially designed to help your teen learn how to responsibly manage money. Soon, they'll be paying you an allowance!

Free Teen Checking Account
The Run Down
  • Members between 13–17 years old are eligible
  • Parental access to the account
  • No minimum or maximum balance
  • Over 80,000 surcharge-free ATMs78
  • Easily manage money through mobile and online banking
  • ATM rebates up to $20/month for out-of-network ATMs78
  • Pay friends using mobile person-to-person (P2P) tool
  • No monthly service fee78
  • Free Visa ® debit card and first box of checks
  • Real-time free transfers between accounts
  • Eligible for high-rate checking option
  • NCUA insured to at least $250,000
  • Lower spending limits
Bank on the Go!

Our mobile app gives you access to your Alliant Account in the palm of your hand.

Download the Mobile App

Parental Access

All free teen checking accounts have a parent or a guardian as a joint owner who will have full access to the account in order to help your teenager manage his/her finances.

Smart spending limits give parents peace of mind

  • $100 per day cash withdrawal limit at ATMs
  • $300 per day spending limit for signature-based purchases
  • $300 per day spending limit on PIN-based purchases

Save money with fee-free checking

No unexpected fees

You won't pay monthly service or minimum balance fees with Alliant Free Teen Checking. Standard fees, such as non-sufficient funds and check printing do apply — see our simple fee schedule for a complete list. 

ATM rebates up to $20 per month!

Tired of ATM fees? With our ATM Rebate Program, we’ll pay you back up to $20/month in ATM charges. We'll deposit rebates in your account at the end of each day, so you’ll get the money back quickly.

Two free Visa® debit cards

You'll receive two free Visa debit cards, one for you and one for your teenager, and a free box of checks when you join! After the first box, you can order more checks through Alliant Online Banking. Your checks will include your name as well as your teen's name. 

Your teen's money is safe and secure

Your account is protected against fraudulent purchases made with your Visa debit card with the Visa zero-liability guarantee37. Plus, your shared online and mobile banking access to your teen's account helps you provide parental guidance on money matters. You'll also be able to access your teen's eStatement online at any time via online banking.

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

See our security center to learn more about how you and your teenager are safe with Alliant.

Convenient online services


Unlimited fast transfers

Transfer money between Alliant accounts or to accounts outside of Alliant for free. You can schedule transfers as one time, future or recurring. There's no limit to the number of transfers you can make. Standard ACH transfers are free. We also offer wire transfers for a fee of $25 (domestic) and $50 (international). With an Alliant Free Teen Checking Account, only a parent/guardian can set up ACH and outgoing wire transfers.

Easy access, anywhere

Mobile banking

Instantly deposit your checks from your iPhone or Android phone 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. You can also view your account balance, find a nearby ATM and use the Alliant Money Management & Budgeting tool to track your teen's spending. Download the mobile deposit app.

80,000+ surcharge-free ATMs

Your teenager has access to our massive network of surcharge-free ATMs. You or your joint owner can easily make deposits, conduct withdrawals and check account balances. If you have to use an out-of-network ATM, we will rebate your ATM fees, up to $20 per month. With our huge network, plus the added-benefit of ATM rebates, you can be confident there's an ATM near you, wherever you happen to be. Find an ATM.

Free Visa® debit card

Two free Visa debit cards are included so both the parent and teenager can make purchases anywhere Visa is accepted and make withdrawals and deposits at ATMs. You can easily activate a card and change your PIN any time in our secure online banking. Your Visa debit card may also be used with Apple Pay and Google Wallet.

Person-to-Person (P2P) Payments

Send money instantly to almost anyone — anywhere, anytime. Alliant's Send Money payment tool is powered by PayPal and available within the Alliant Mobile App. Just provide the payment amount, the recipient's name and their email address/phone number. The money will be taken from your account and sent to the recipient's PayPal account. Learn more about Send Money.

Free Teen Checking Fees

Overdraft Transfer (max per day) $3
Wire Transfer (incoming) Free
Foreign Wire Transfer (outgoing) $50
Domestic Wire Transfer (outgoing) $25
Account Maintenance Upon Member Request (1 hr min) (per hour) $25
ACH initiated via Telephone (per occurrence) $10
Copy of Document (per document) $5
Deposit of Check Drawn on a Non-U.S. Bank - including Canadian $35
Dormant Account Fee $10
Inactivity Fee $10
Miscellaneous Fees (per item) [Levies, Garnishments, Collection Item] $29
Manually Paid Checks and ACH Items $5
Nonsufficient Fund Item (each) $25
Return Deposit Item $15
Sight Draft Deposit Fee (per item) $25
Stop Payments (checks and ACH) - submitted in writing or verbally $25
Priority mail services for distribution of Visa® credit cards, checks, Visa® Debit Card, Convenience Prices start at $18
Replace Lost Card (Debit, Convenience) $10

Free Teen Checking FAQs

Who is eligible for an Alliant Free Teen Checking Account?

Members who are 13–17 years of age are eligible to open an Alliant Free Teen Checking Account.

What are the requirements for the free high-rate checking option?
  1. Opt out of paper statements and start receiving free eStatements: Log in to Alliant Online Banking and select “View Statements” from the right side of the page.
  2. Have at least one of the following recurring monthly electronic deposits to your Alliant Checking Account: Direct deposit, monthly ATM deposits or transfers from another financial insitution into your Alliant account. Note: transfers between your Alliant accounts do not qualify as an electronic deposit.
What is the difference between a regular free checking account and a free teen checking account?

The free teen checking account must be opened as a joint account with a parent or guardian. It offers many of the same features as our free checking account, but it offers greater peace of mind for parents or guardians through a variety of controls.

What are the benefits of having an Alliant Free Teen Checking Account?

The Alliant Free Teen Checking Account is great way for teens to learn about and practice financial management. The teen account offers many of the same benefits as our Alliant Free Checking Account, including online banking, mobile banking, ATM rebates, high-rate checking and overdraft protection. Plus, the Alliant Teen Checking Account provides stricter access limits for debit card purchases and ATM withdrawals. Note: Parent/guardian must set up overdraft protection on a free teen checking account. 

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