Fees

Effective - 09/01/2014

The following fees and transaction limitations amend your Account Agreement and Disclosures (PDF). These fees and limitations MAY be assessed against your account if applicable. Fee Schedule (PDF)

Complimentary Services

ATM Transactions at Alliant-owned ATMsFREE
ATM Transactions at Non-Alliant Owned ATMs1 FREE
Consumer Loan ApplicationFREE
Consumer Loan ModificationFREE
Convenience Card (except lost card) FREE
eStatements (electronic account statements)FREE
Financial Counseling and Budgeting ServicesFREE
1st Box of Checks when opening a new Checking AccountFREE
Home Equity ChecksFREE
Home Equity Loan Processing Fee2 (up to $250,000)FREE
HSA Checks FREE
HSA Custodian Check Issuance Fee FREE
HSA Excess Contribution Reimbursement FREE
HSA Monthly Maintenance Fee FREE
HSA Set-up FeeFREE
HSA Transaction FeeFREE
OnlineBanking,BillPay,Mobile Banking and Deposits3FREE
Online Check CopiesFREE
Phone Banking FREE
Signature Guarantee StampFREE
Teller TransactionsFREE
Third Party Share Drafts (3 per day)
  • $2 for each withdrawal thereafter
FREE
Visa® Credit Card (Platinum and Platinum Rewards) FREE
Visa® Credit Card Annual Fee (Platinum and Platinum Rewards) FREE
Visa® Credit Card Balance Transfer (Platinum and Platinum Rewards)FREE
Visa® Debit Card (except lost card) FREE
Visa® HSA Debit CardFREE


Account Basics

Account Closed within 90 Days of Opening$10
Account Maintenance Upon Member Request (1 hr min)(per hour)
  • Account Balancing Assistance
  • Account Research
  • Subpoenas
$25
ACH initiated via Alliant Online Banking FREE
ACH initiated via Telephone (per occurrence) $10
Bad Address Fee$5
Copy of Document (per document)
  • Account Activity Printout
  • Check Copy4
  • Interim Statement
  • Membership Statement4
  • Special Statement Cutoff
  • Subpoena
  • Loan Document
  • Deposit Check
  • Paid Credit Union Check
  • Wire Transfer Confirmation Copy
$5
Courtesy Pay Fee (per occurrence)
  • Written Check
  • Preauthorized Withdrawals from Checking
  • Debit Card Transactions
$25
Deposit of Check Drawn on a Non-U.S. Bank - including Canadian$35
Dormant Account Fee $10
Inactivity Fee
  • One year in which no withdrawals or deposits, other than credited dividends were made to the account
$10
Line of Credit Advance5 (per occurrence) $3
Miscellaneous Fees (per item)
  • Levies
  • Garnishments
  • Collection Item
$29
Manually Paid Checks and ACH Items$5
Nonsufficient Fund Item (each)
  • Written Check
  • Electronic Item
$25
Overdraft Transfer (max per day)
  • Savings
  • Supplemental Savings
$3
Paper Account Statement Fee (each)$1
Replace Lost Card
  • Visa® Debit Card
  • Convenience Card
$10
Return Deposit Item$15
Sight Draft Deposit Fee (per item)$25
Stop Payments (checks) - submitted via Alliant Online Banking or Phone BankingFREE
Stop Payments (checks and ACH) - submitted in writing or verbally $25


Wire Transfers

Domestic Wire Transfer (outgoing)$25
Foreign Wire Transfer (outgoing)$50
Wire Transfer (incoming)FREE


Mail Services

Priority mail services for distribution of Visa® credit cards, checks, Visa® Debit Card, Convenience Card, etc.Prices start at $18


Product Fees

Airplane Loan Fee$175
Amortization Report - Fixed Only$15
Copy of Loan File - Fixed Only$25
Copy of Mortgage Documents - Fixed Only (each)$5
Duplicate Release Fee - Fixed Only$25
Home Equity Loan Rate Modification (per occurrence)$250
Home Equity Products Subordination Fee$150
Mortgage Payment Modification$250
Mortgage Rate Modification (0.50% of principal balance)$500-$3,000
Mortgage Preapproval Fee up to $50
New York Assignments$570
Payoff (Demand) Statement Fee (CA and AZ Only) $30
Payoff (Demand) Statement Fee (except CA and AZ) $35
Payoff Statement Fax Fee - Fixed Only$10
Partial Release Fee$200
Payment History - Fixed Only$5
Reconveyance Fee - CA Fixed Only$45
Vehicle Service Agreement Transfer Fee$40
Verification of Mortgage - Fixed Only$10


1 Surchargefree 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 when you use your Alliant Convenience card, Alliant Visa HSA debit card or Alliant checking account Visa debit card. Alliant will rebate fees incurred at other nonsurcharge-free ATMs up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. 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.
2 Subject to credit qualification. Up to $1,000 fee for loans over $250,000.
3 Data and text charges may apply. Check with your mobile service provider.
4 Available at no cost if printed online.
5 Accrues interest if utilized.
6 Excludes credit card statements and mortgage statements.

Note: Loans are subject to additional fees. For complete fees refer to loan documents.
For Visa® credit card fees refer to the Visa® Credit Card Agreement.

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