With Alliant Checking the free benefits really add up. Plus, with our High Rate Option you will enjoy a high dividend rate and no minimum balance requirement to earn it.
0.65% APY | 0.648% Dividend Rate
High Rate option can be added to Free Checking or Free Teen Checking at any time. Simply opt-out of paper statements and start using eStatements and have at least one monthly electronic deposit to your Alliant checking account.
Your electronic deposit can be a direct deposit, payroll deposit, ATM deposit, mobile deposit or transfer from another financial institution.
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 complet e 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 day of each month. The checking dividend is subject to change monthly.
What are the requirements for the Free High Rate Checking Option?
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 at ATMs.
Does Alliant rebate ATM fees if I use an ATM that is not part of the nationwide network of 80,000+ Alliant-preferred surcharge-free ATMs?
Yes. If you use your Alliant checking account Visa debit card at a non-network ATM and are charged a fee, Alliant will rebate the fee up to $20 per month. The rebate is only applicable to transactions made at non-network ATMs using an Alliant checking account Visa debit card. Note: The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card, Alliant Visa HSA debit card and Visa International Service Assessment (ISA) fees. (The maximum rebate amount is $20 per month per membership account regardless of the number of Alliant checking account Visa debit cards held for each membership. Please refer to the ATM Rebates section of our website for more information.)
What types of transactions are eligible for the ATM rebate?
Eligible transactions for the ATM rebate include deposits, withdrawals, transfers or balance inquiries from your Alliant savings or checking account when using your Alliant checking account Visa debit card. Please note that for savings account transactions, your savings account will be charged the ATM fee from the ATM owner, and Alliant will deposit the rebate into your checking account. ATM transaction fees are determined by the owner of the ATM. Most ATMs only charge a fee for withdrawals; however, some banks may charge for balance inquiries or transfers. Note: The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card, Alliant Visa HSA debit card and Visa International Service Assessment (ISA) fees. Members may continue to use our nationwide network of 80,000+ Alliant-preferred surcharge-free ATMs to avoid fees when using these cards.
Does the ATM rebate also apply to Teen checking accounts?
Yes. The ATM rebate benefit is available on the Alliant Teen checking account. If the Teen checking account Visa debit card is used at a non-network ATM and is charged a fee, Alliant will rebate the fee up to $20 per month. Note: The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card, Alliant Visa HSA debit card and Visa International Service Assessment (ISA) fees.
Can I still use ATMs that are part of the nationwide network of 80,000+ Alliant-preferred surcharge-free ATMs?
Yes. Use our Alliant-preferred surcharge-free ATMs whenever you can to avoid fees charged by banks and other financial institutions. The nationwide network of 80,000+ Alliant-preferred surcharge-free ATMs are available in all 50 states with many in popular merchants, such as convenience stores, drug stores, gas stations, discount retail stores and more. Surcharge-free ATMs include Alliant-owned ATMs and ATMs that are part of the Alliance One, Allpoint, Bank of the West, CO-OP Network, Credit Union 24 CU Here and Publix Presto networks. To find the ones nearest you, use the ATM Locator on our website or on our Mobile Banking app.
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 outside the United States, please call us at 800-328-1935 (24/7) for additional information and tips before your trip so you will have uninterrupted service while you’re traveling.
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.
You can log onto Alliant, then immediately see all your balances - checking, savings, IRA, credit card - and then with a click
or two see account histories, transfer money, etc. Convenience and security provided by Alliant give me a feeling
of utmost confidence.
I don't know.. I never received my bank card for one... no emails or papers sent since signing up 3 months ago...
Thanks Alliant,those atm rebates are amazing.
Alliant Credit Union is really good at service, amenities and ease of use.
I have had an account with Alliant since they started and changed from UAL credit union. I feel they are the best around. their services are superior to most others and I hope to do business with them as long as I am around.
It is like being paid to have a checking account here. Great Product! ATM rebate..up to minute transactions and interest paid
I think this is a fantastic new benefit! Christmas came early this year, lol! Thank you Alliant :)
Your new ATM Rebate policy is amazing! You are reimbursing me for a fee I have been charged! No one in any business ever does that! Once a fee is paid, good luck trying to get it reimbursed with any other financial institution. I have never had a problem with Alliant and this just adds to my pleasurable experience. You have my business for life! Thank you.
I love Alliant! They're always on top of new services andgives back to its customers world wide.
The checking account has worked well for me. I like that it's interest bearing with no outrageous limit and I've used many aspects of it, including the mobile checking app, without a hitch. Highly recommended.
Easy to use online once the accounts are linked.
Alliant has paid us more in dividends in one month than we earned all year at our previous credit union. Bill pay has been easy to set up and our payments are remitted accurately and on time. All of my questions have been addressed quickly and courteously. Surcharge-free ATMs are plentiful in our down-state community, too. We are very pleased with our recent switch to Alliant.
When was the last time a financial institution made their products better? Now I get ATM rebates?! Alliant keeps doing right by its membership.
I started out opening a savings and checking account with Alliant. I have been so impressed with the service I have received that I refinanced by mortgage and opened up a credit card account. I can't say enough nice things about Alliant. Every time I have to call customer service, the folks are so helpful and nice :) I recommend Alliant to everyone I know - especially when they are complaining to me about how much they hate their big bank!
I have enjoyed being a member with alliant. I love the fact that even though there are not branches everywhere, I still have a huge variety of access with all ATM's and the online banking. It has been a great choice for me to join, and they always have a great rate to offer for many products such as visas and loans. I always share the good news with friends and family. Thank you alliant for being awesome!
Whether you're looking for free checking or a checking account that earns better returns., Alliant has the checking account that's right for you.I could mention all the features like online banking,mobile app, online deposit, interest and so much more. But what separates this credit union is there world class service to there members.
We opened a joint checking account, thinking that all the features that are available to us as individual account holders would be available to us as joint account holders. Not so... The 2nd person on the account couldn't transfer money into the account from another bank. The 2nd person on the account can't use Bill Pay to pay bills. It's just been a total nightmare trying to get money into this account and pay bills, which is what a checking account is supposed to do. The interest is nice.
Mobile deposit is great, free checks, interest, free debit card, no minimums. I love it! I will be signing up my teen for a teen checking account soon, as well. We have our HSA through Alliant, as well! Very happy with them!
This is such an easy way to bank. It is easy to use on line and also on the phone. Thanks Alliant for great banking.
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Alliant Credit Union, Chicago, Illinois. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.
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