Free Checking - that's truly Free
With Alliant Checking the free benefits really add up. Plus, with our new High Rate Checking you will enjoy a high dividend rate and no minimum balance requirement to earn it.
| Free Basic Checking | Free High Rate Checking | |
| Monthly Dividend | No | 1.75% APY* 1.736% Rate* |
| Requirements | No | Opt out of paper statements and have at least one monthly electronic deposit. more » |
| Features |
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Make a change for the better
Switch your checking and direct deposits to Alliant.
Alliant Checking gives you a lot of benefits that you won’t find at most traditional banks. But, with all the fees and “extras” that many financial institutions impose upon customers, what makes us different is what you won’t get with Alliant Checking:
- NO monthly service fees
- NO minimum balance requirement
- NO point-of-sale fees
- NO check writing fees
What you will get is Free VISA® Debit Card access and a host of other features. And it provides you with many other free services, including free online banking, free Bill Pay* and access to over 80,000 surcharge-free ATMs*. Plus it’s the perfect addition to your other Alliant accounts.
Add a high rate to free checking with no minimum balance requirement to earn it. Plus, enjoy the features of basic checking. All you need to do is:
- Opt out of paper statements and start using eStatements
- Have at least one recurring monthly electronic deposit to your Alliant checking account, such as direct deposit, payroll deposit, ATM deposit, eDeposit, eDepositPlus or transfer from another financial institution
Already meet these requirements? Then, you need take no further action - you will be automatically upgraded to our Free High Rate Checking.
Frequently Asked Questions
What are the requirements for Free High Rate Checking?
- Opt out of paper statements and start receiving eStatements:
- Log in to Alliant Online Banking, select "eStatements" from the left side navigation and follow the prompts
- Have at least one recurring monthly electronic deposit to your Alliant checking account:
- Set up direct deposit with your employer. Provide your 14-digit Alliant checking account number and the Alliant ABA Routing and Transit Number # 271081528
- Make a monthly ATM deposit
- Make a monthly deposit using eDeposit or eDepositPlus
- Transfer funds from another financial institution every month
To set up recurring transfer from another financial institution you can log in to Alliant Online Banking, select "Transfers" from the left side navigation, then select "Other Institutions" from the sub-menu and follow the prompts
Is Alliant Checking really free of monthly fees?
Alliant Basic & High Rate Checking have no monthly service fee or minimum balance fee, unlike most banks. Standard fees, such as non-sufficient funds and check printing, do apply — see our Fee Schedule for a complete list of these types of fees or contact a Member Services Representative.
Does Alliant Checking pay a dividend?
Alliant High Rate Checking pays a monthly dividend, please see requirements. Alliant Basic Checking does not pay a monthly dividend. Checking dividends are paid on the last day of each month. The checking dividend is subject to change monthly.
Will I get a VISA® Debit Card with my Alliant checking account?
Yes, you will receive a free VISA® Debit Card, which you can use for purchases or access to millions of ATM locations worldwide.
Blocked Transactions
VISA® credit card and ATM/Check Card Blocked Transactions
At Alliant, security is one of our top priorities. To help protect your personal identity and Alliant accounts against fraudulent activity, we may occasionally block transactions in foreign countries and other areas where fraud is widespread. If you are planning travel to any of the following locations, you will be unable to perform the VISA® credit card and ATM/Check Card transactions as indicated:
| Blocked Country/Area | Alliant ATM/Debit Card | Alliant Credit Card | Type of Transaction | Effective Date |
| France | X | Transactions over $1000 | 03/08/2007 | |
| Malaysia | X | Purchases and Cash Advance | 10/07/2005 | |
| North & South Korea | X | Transactions over $500 | 06/29/2006 | |
| Romania | X | X | Cash Advance & ATM WIthdrawals | 10/07/2005 |
| Russia | X | X | Cash Advance & ATM WIthdrawals | 10/07/2005 |
| Saudi Arabia | X | Purchases and Cash Advance | 12/14/2006 | |
| South Africa | X | Cash Advance | 10/07/2005 | |
| United Kingdom | X | Cash Advance | 10/07/2005 |
If you have questions please contact a Member Services Representative at 800-328-1935
Check our fee schedule.





