Earn 1.25% APY on your money with an Alliant High-Rate Savings Account.
Earn rewards, get cash back or take advantage of a low standard variable rate.
Award-winning. Great rates. Free High-Rate Checking. 24/7 service.
Earn top dollar with rates up to 2.25%APY.
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.
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 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.
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.
Want to know more about this product? Search our friendly help guide!
I have been a member for about 5 years. I have my checking, savings, and a credit card with Alliant. By far the best financial institution when it comes to these three areas. My experience has been nothing but great. I have not used them for any other services yet, but this will definitely be my first stop when doing so.
I have had my account for over a year now and absolutely love the automatic ATM fee refunds, expanded network of CO-OP ATM's to deposit cash or checks, the mobile app to check balances and pending transactions on the go, and the account has one of the best rates without having to meet any transaction quotas. The only thing I wish they would change is the posting direct deposits when received rather than the effective date of the deposit like most other credit unions but its not a deal breaker since the account itself is great.
Just joined, love the ease of navigation of online, mobile, other self help areas! Thanks Alliant, I too am a member of multiple credit unions, etc and would list this one as tops!
All the other banks require debit card use to get minimal interest on the funds still in the checking account. It is so much more difficult to budget that way, I want to know what is in the bank so I can use it to pay bills -- and - oh my - there is always a bit more. Thank you Alliant.
I have a HSA account, savings account, and a checking account and could not be happier with their professional service! I recomend them highly. Easy to use and secure.
Not being able to deposit cash into my account makes it difficult to add money quickly to my account in an emergency. Depositing a check doesn't really get the job done as it takes days to clear.
My review is fory experiences as a banking customer with both a savings and a checkimg account.
I was thrilled to find a long-distance online credit union from my rural isolated home. A bit nervous at first though, since there's not a brick-and-mortar branch near me.
After almost 2 years with Alliant, I am so very pleased with Everything .
My favorites are Excellent Available Customer Service, Easy Transfers, and Reliable Banking Policies. Also the extra service charges are seldom and minimal .
Great credit union !
I love my Alliant checking...nice better than major bank interest rate and better than most credit unions too, easy transfers both internal and external as well as easy to set up periodic or scheduled transfers inside and outside the credit union to other accounts I have, quick and with no fee, unlike the major banks, online baking works great and account transactions are clear, presented nicely and easy to understand. Free Mobile check deposit is great when you have no branch nearby (I live on Central Coast of CA...no branch nearby) and you want the convenience of depositing at home or on the go and many if not most deposits are immediately posted. Alliant gives you way more ATM options than almost anyone else for no fee, so convenient and reimburses if you have to use an ATM outside their many networks. I have never had to pay at an ATM and you can deposit at US Bank ATMs and most credit unions too, all for no fee. Very good customer service at almost anytime by phone if needed. Like I said, this is a great checking account and I have had many.
Alliant Credit union has plenty of benefits that can be of great service to their customers. Also Alliant is constantly checking their customers for feed back on ways to improve matters!
Been a member for more than 20yrs Positively love my credit union Never had a problem .
Had car loan CDs etc.. no problem .
Wish they offered a Home Line of Credit at lower rate
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