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!
Have enjoyed superior service for 26 years, still satisfied.
When ever i needed help some was always there to take care of my needs...thank you
I was made aware of Alliant by the Illinois CPA Society. I had some money parked in a bank money-market fund, saving for a significant purchase a few years in the future. Even the free ckecking account rates at Alliant are higher than the bank money market; the savings and CD rates are even higher. I called twice with some questions about opening my accounts. Both times I was very impressed with professional customer service by people that really seemed to care.
We have been Alliant CU members since before it was Alliant! We have had checking, savings, loans, and now educational loans for our granddaughter! We feel it is a more secure way of banking, than that of traditional banks. Everyone is always helpful and friendly and the 24/7 is most appreciated. Karen
I have not needed to use another "bank" since 1997, with the exceptions of car loans. That's mainly because Alliant's auto-loans dept. was not open to do business on weekends. Other than that I love not having to be "shakin-down" by those other banks!
I've been with Alliant since 2000, I love the services. I have a checking and savings account that is excellent; I receive a call for any activity on my accounts that look suspicious. Alliant has all the banks beat, I would not give any bank my business since I opened my accounts with Alliant. The on-line services are excellent as well as the ATM sharing. Alliant is simply the best, I highly recommend this credit union they do not rip you off like all the traditional banks.
Outstanding customer service every time I have a question or need help with transferring funds. Never hesitate to call. Always friendly and helpful. To me, banks are a thing of the past. Alliant Credit Union is the ONLY way for me to go.
I have been a member since 1967 when Continental Airlines had about 6,000 employees. Although I left Continental in 1982 to pursue a career in the cruise industry I decided to continue using my CFCU account. Forty-eight years later I'm still a satisfied customer. Of course I was sad when CFCU was acquired by Alliant FCU but the superior service continues.
I'm especially impressed with their VISA credit card fraud division, they have save me more than once from identify theft and fraudulent use.
I heard such great reviews about Alliant credit union and decided to open an account. I received mail that was confusing on whether I had an account or not. I decided to call Alliant and spoke to a branch representative named P. who felt that my frustrations on the matter was enough to close my account. During the who conversation with P. I did not once ask her to close the account but she felt that it was what I wanted. I guess if your frustrated that means close my account!
One of the best personal banking options out there. Great service, excellent rates (relatively!), easy-to-use website, new technologies like EMV chip on card, ApplePay, eDeposit etc. And not ATM fee reimbursement. Awesome bank. Don't walk, run to Alliant.
Write a Review
View our Reviews Guidelines
Remember my contact info for next time?
Are You Human?
Your review is pending moderation and should appear here shortly.
Already a member?
Use our convenient online membership application process to get started right away.
Call us anytime to speak with a friendly Member Services Representative.
Search for a branch near you.