Free Checking

Free Checking - that’s truly Free

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.

Alliant Members
Open a checking account online by applying through Online Banking.
Once you login select "Open an Account" on the right side.

To apply by mail complete our paper application (PDF) and mail it back to Alliant.


Not a member?
Apply for membership online and you can open other products and types of accounts at the same time. You must meet the membership requirements, learn more.

Open an Account

High Rate Checking Option

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, eDeposit, eDepositPlus, Mobile deposit or transfer from another financial institution.


Switch your checking to Alliant. Download our Switch Kit (PDF) or learn more.

APY = Annual Percentage Yield. 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:
  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 internationally, 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.

Online Banking Login
Membership
Eligibility
Benefits
Deposits & Investments
Savings
Checking
Health Savings (HSA)
Certificates
Education Savings
IRA
Trust & Custodial Accounts
Insurance
Investment Services
Loans
Mortgages
Home Equity
Vehicle
Student
Personal
Financial Assistance
Insurance
VISA® Cards
Platinum
Platinum Rewards
Gift Card
Support
Contact Alliant
Forms
Rates
Disclosures
Services
Lost or Stolen Card
Credit Card
866-444-8529

ATM/Check Card
800-328-1935