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.
Can I use my Alliant Visa debit card with Apple Pay?
Yes, Alliant Visa debit cards are compatible with Apple Pay. For instructions on how to enroll your Alliant Visa debit card in Apple Pay, consult our Apple Pay FAQ.
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 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 or 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.
All the staff (including the managers) at the Oakland downtown branch are very professional and always go above and beyond to assist my husband and I. Great Service and advice in banking!
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!
Edited for employee privacy.
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.
I had to take money out of an ATM at a restaurant, it had a $4 fee! Alliant refunded the $4 I paid the other bank, this is truly a "no fee" relationship with high deposit rates! Thank you Alliant!
I love not just the checking account but all of my accounts I have with ACU. And now they offer ATM reimbursements!! Continue doing great things for your members.
I love being able to deposit checks right from my cell phone. I love using the web for most of my needs and alliant's checking is everything I have wanted/needed.
YAY for having a high APR for a checking account.
It is problematic to have money in an account that you can't access if your debit card was not available. My identity was stolen recently and I could not get any cash until my new debit card came in the mail, which took 7 to 10 days. Alliant did allow me 1 day to use a sister CU to get cash, but they sent me to the wrong CU. It was a big hassle so I opened an account at a local bank just to transfer money to it and access in emergencies. Alliant is good for savings due to the interest rate.
In this modern world why does it take over 3 business days to transfer money. This happens even when I transfer within the bank. Then I get an overdraft fee.
I dont understand the overdraft fee, when there is money in the other connected account. This process does not involve a human, why would there be a fee? just because you want some fee? I tried to auto populate the checking account as much as I could but when it get short by 100$ i get charged 3$, this has happened multiple times in recent months.
Checking account information is readily available and can be easily linked to savings for transfers when needed. The double authentication for access to accounts is a welcome security feature. The network of ATM's is robust, including some locations that accept deposits.
I LOVED this place until just recently. They now have something called Courtesy Pay. It's automatically applied to your account without your permission and charges $25 for each transaction. I overdrew my account by mistake by only $3 and they tacked on the $25 fee (even though I caught the mistake and deposited the amount right after the transaction - three hours after). I NEVER thought I would write this, but they should get a program like Chase that allows a grace period before charging.
I find the security requirements reasonable. In particular I like the combined statement that shows my checking and savings accounts balance, etc and the credit card statement, all viewable in the same window.
Please remember this is a public form so you should not share account numbers, personal information, or any other nonpublic information. If you need assistance with a specific product or service, please contact member support at 800-328-1935 or via security email via Online Banking.
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800-328-1935 | ABA Routing and Transit Number # 271081528
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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