Checking

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 High Rate Checking Option

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:

1. Opt out of paper statements and start using eStatements
2. 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

Make a change for the better
Switch your checking and direct deposits to Alliant.

Lost or Stolen Debit Card
If your card is lost or stolen please call us at 800-328-1935 (24/7).
For international inquiries call 773-462-2000.

*View Disclosures

Frequently Asked Questions

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 service Representative.

Does Alliant Checking pay a dividend?
Alliant High Rate Checking Option pays a monthly dividend, please see requirements. Alliant Basic Checking does not pay a monthly dividend. Checking dividends are paid on the last of each month. The checking dividend is subject to change monthly.

What are the requirements for the Free High Rate Checking Option?

1. Opt out of paper statements and start receiving eStatements:
• Log in to Alliant Online Banking, select “View Statements” from the right side
2. Have at least one of the following recurring monthly electronic deposits 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 “Transfer Money” and then “Other Institutions”.

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 to access ATMs worldwide.

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 to travel to any of the following locations, please call us at 800-328-1935 (24/7) for additional information and tips.

Lost or Stolen Debit Card
If your card is lost or stolen please call us at 800-328-1935 (24/7).
For international inquiries call 773-462-2000.

Check our fee schedule.