Get free checking plus $20 back on out-of-network ATM fees monthly.
Earn rewards, get cash back or take advantage of a low standard variable rate.
Combining your student loans could get you a lower interest rate.
Alliant exists solely to serve our members, not stockholders.
Earn 1.16% APY on your money with an Alliant High-Rate Savings Account.
Earn a market-leading rate of return on your money with our free, high-interest rate checking account.
Grow your savings faster with Alliant's higher savings rate.
Learn more now
"Best No-Strings Checking of 2016" - Kiplinger's
"Best Free Checking Accounts of 2016" - GoBankingRates
"Best Bank for ATM Lovers and Best Free Checking Account of 2017" - NerdWallet
You must meet two simple requirements monthly to qualify. If you don’t fulfill each requirement monthly, you won’t earn high-yield checking interest for that month.
Opt in to receive free eStatements rather than paper statements.
Have at least one monthly electronic deposit to your Alliant High-Rate Checking Account. Direct deposits, payroll deposits, ATM deposits, mobile deposits and transfers from another financial institution all count.
We don't charge monthly service or minimum balance fees with Alliant High-Rate Checking. Standard fees, such as non-sufficient funds and check printing, do apply. Please see our simple fee schedule for a complete list.
Tired of ATM fees? With our ATM Rebate Program, we’ll pay you back up to $20/month in ATM charges if you use an out-of-network ATM (excludes 1% Visa foreign transaction fee). We’ll deposit rebates into your checking account at the end of each day, so you’ll get the money back quickly.
You'll receive a free Visa debit card and a free box of checks at no cost when you sign up! After the first box, you can order more checks for as low as $15 per box.
Deposit money from anywhere with the Alliant Mobile Deposit tool. It’s as easy for first-timers as it is for old pros and no photography skills are needed.
To get started using Mobile Check Deposit, download the latest version of the Alliant iPhone or Android App. To log in, use your existing online banking credentials.
We offer two programs to help you avoid accidental overdrafts: Overdraft Protection and Courtesy Pay19. Opt in to either program — or both! — to ensure maximum protection against inconvenient overdrafts.
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. Enrolling is free, and you only pay a small $3 fee per day that it’s used.
With Courtesy Pay, Alliant will cover checks, electronic payments and transfers that won’t clear due to insufficient funds, helping you avoid the hassle and expense of declined transactions. There is a $25 fee per covered item, and the overdraft balance plus fees are due within 17 days.
You’re protected against fraudulent purchases made with your Visa debit card with the Visa zero-liability guarantee.37 This helps block suspicious transactions, 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 or fill out a travel notification form by logging in to 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.
Plus, don't forget that your checking account is insured up to $250,000 by the NCUA. See our security center to learn more about how Alliant keeps you safe.
Online bill pay43
Easily pay your bills online with zero fees. You can set up an unlimited number of payees, schedule automatic and recurring payments and pay your Alliant loans, mortgage and credit cards. Cancel or change scheduled payments at any time with an easy-to-use interface in online banking.
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 for a domestic wire transfer and $50 for an international wire transfer. Incoming wire transfers are free.
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.
Let Me Know When Alliant Rates Gets Even Better
Non-standard service fees may apply, please view our full fee schedule. Fees subject to change.
Alliant High-Rate Checking pays a monthly dividend — as long as you meet the easy requirements of having eStatements and at least one electronic deposit per month. If you do not meet the requirements for any month, your account will not receive a dividend for that month. Checking dividends are paid on the last day of each month. The checking dividend is subject to change monthly.
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).
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.
No. When reviewing a prospective member’s application, Alliant conducts what is called a “soft credit check.” Soft inquiries won’t affect your credit or credit score in any way.
Absolutely. Your Visa debt 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.
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.
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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I've had different checking accounts with pretty much every major US bank in the past and out of all of them Alliant Credit Union is my absolute favorite. I wanted a free checking account because I was tired of paying so much in fees to my old bank so I became an Alliant member with their free high interest checking and I'm so happy with my decision! I love how Alliant gives you so many awesome features with their checking account product and unlike online banks where you can't deposit cash, with Alliant you can actually deposit cash and checks through other credit union ATMS (just use their easy to use ATM locator)! Alliant's Online Banking is one of the best online banking systems I have ever used too. They make it so easy to do just about everything through their online banking portal (I was able to activate my new Alliant ATM card and setup the pin number, order my first order of FREE checks, and much more!). They also have a sweet mobile app which you can do all your banking on the go and deposit checks through. I could go on all day listing everything I love about my new Alliant membership.
If you're looking for a free checking account (or just a checking account in general) then I highly recommend you become a member of Alliant Credit Union! Drop everything you're doing, grab a cup of coffee, brace yourself for the incoming barrage of FREE features and amazing customer service, and get your Alliant free checking account today!
Best checking. What's not to like. This checking account gets good interest with no minimum amount needed. I use an automatic incoming transfer from another bank to keep getting the interest. For almost 10 years Alliant has good to me.
My last bank's check interest rate was .01 percent for an "interest" checking account, unless to breach the $50,000 mark. This account offers significantly higher interest and easy to get ahold of customer service. They have also been very friendly and helpful over the phone.
While I am quite happy with Alliant, I must say there's nothing high about high rate checking. It's as good as most others.
Alliant is a fabulous credit union. I like my checking account because it's easy to do on-line banking from home, there are many ATMs I can use, both Alliant and non-Alliant, for free. Alliant pays interest on my checking account, which I really like. Also, whenever I have a question I can send a message to Alliant through their website and I receive a prompt, curtious and informative reply. The few times I've actually gone into my local branch, the customer service has been excellent, too. What's to not love about Alliant? I recommend them highly.
I have been a member for many years. This account satisfies all of my banking needs. The fees are better than traditional banks and the personal service if for any reason I have to call is friendly and helpful. Thank you Alliant. You have me as a customer for life.
This account was offered to retirees of my prior employer. Great place to park my emergency funds.
Fantastic customer service, unmatched rates (car loans, savings and checking accounts) and seamless transactions. Way to go Alliant! I belong to two other CUs and, while they beat out the big and local banks, they fall short of Alliant.
In today's environment, with everything electronic, it's absolutely crazy to only have "6" transfers between checking and savings. I was out of town and a couple items cleared my account before I could transfer money over and each one caused a transfer. So since I can't transfer money from savings, each transaction this month will cost another $3.00!!! I will be finding another banking institution.
Its not just high rate checking/savings, or a great CC with no balance transfer fees. I have been a member forever. well 17 years and before they were Alliant. They have a consistent recored of great customer service. Great industry pricing and ease of use for the end user. None better. Period
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