High-yield checking account with no overdraft fees

Manage your money on the go without the hassle of sneaky fees or ATM scavenger hunts.

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Person looking at checking account on Alliant mobile app with debit card
The Run Down
  • No monthly service fee19
  • No overdraft fees19
  • No monthly minimum balance requirements104
  • Access to 80,000+ fee-free ATMs59
  • $20/month in ATM fee rebates19
  • Tap to pay with a free Visa® contactless debit card
  • Note: Alliant does not offer business checking accounts
Rates
0.25 %
APY
0.25 %
Teen checking: a safe place to learn

Give your teen a checking account that meets their needs: mobile app, ATM rebates and spending limits.

Learn More

Check out our awards

Nerdwallet Best-of Awards Winner for Savings and Checking Combo

"Best-of Awards Winner for Savings and Checking Combo"

CNBC Best No Monthly Fee Checking Account

"Best No Monthly Fee Checking Account"

GoBankingRates Best Credit Union 2023

"Best Credit Union"

BankOn High-Rate Checking 2023-2024

Saving time and money should be simple

No unexpected fees

Mistakes happen. That’s why you won’t pay unexpected fees like overdraft, monthly service and minimum balance fees. Some standard fees such as stop payment do apply. Please see our simple fee schedule for a complete list.

No more hunting for an ATM

Go ahead, use any ATM you want! We'll give you up to $20/month in ATM fee rebates if you use an out-of-network ATM. You won’t even have to wait, we’ll deposit rebates into your checking account at the end of each day.19

Pay with your smartphone or contactless Visa® debit card

For a safe, secure and easy way to pay, simply tap to pay with your contactless debit card. Alliant debit cards are also compatible with digital wallets like Apple Pay™, Samsung Pay™ and Google Pay™, and other payment apps like PayPal, Venmo and Cash App so you can pay with your smartphone. Learn more

Mobile deposit

Deposit checks anytime, from virtually anywhere with the Alliant Mobile Banking app.19  Watch this short video to learn how.

Features for your peace of mind

Free overdraft protection

Opt in to our overdraft protection and we’ll automatically transfer money from your Alliant savings account so you can avoid an accidental overdraft or nonsufficient funds.19

Courtesy Pay

Enroll in Courtesy Pay19 and Alliant will cover checks, electronic payments and transfers that extend beyond your overdraft protection and won’t clear due to insufficient funds, helping you avoid the hassle and expense of declined transactions. The overdraft balance is due immediately. There is no fee for the Courtesy Pay service; eligibility factors and qualifying deposit requirements apply. See fee schedule.

Account alerts

Receive alerts via text message, email or the Alliant mobile banking app to keep you informed when there’s a large transaction or other unusual account activity.

Federally insured funds

Rest easy knowing your money is protected. The funds in your Alliant deposit accounts are federally insured up to $250,000 by the NCUA. Learn more

$0 liability on fraudulent charges

With the Visa $0 fraud liability feature37, you never pay for unauthorized charges on your debit card. Learn more about keeping yourself protected at Alliant’s Security Center.

Card management on the go

Easily activate your debit card or replace a lost/stolen card through Alliant online or mobile banking. For more details about debit cards, check out these frequently asked questions.

Checking that’s simple and smart

Switch your checking to Alliant in 3 simple steps

How to earn interest on your checking

Meet two simple requirements each month to qualify for a rate that surpasses most banks’ savings accounts.

  1. eStatements

    Opt in to receive free eStatements rather than paper statements.

  2. One Monthly Electronic Deposit

    Have at least one monthly electronic deposit to your Alliant High-Rate Checking account. Direct deposits, payroll deposits, ATM deposits, mobile deposits and transfers from another financial institution all count.

Once you've opted into eStatements, if there's a month when you don't make an electronic deposit, you still won't have to pay a paper statement fee, you just won't qualify for high-interest checking.

High-Rate Checking account rates61

0.25 %
APY
0.25 %

Let Me Know When Alliant Rates Get Even Better

Here is Alliant's California Privacy Statement (PDF), as required by the California Consumer Privacy Act.

High-interest checking account FAQs

Does Alliant High-Rate Checking pay a dividend?

Alliant High-Rate Checking pays a monthly dividend — as long as you meet the easy requirements of having eStatements and at least one electronic deposit per month. If you do not meet the requirements for any month, your account will not receive a dividend for that month. Checking dividends are paid on the last day of each month. The checking dividend is subject to change at any time.

Will I get a Visa debit card with my Alliant checking account?

Yes. You will receive a free Visa® contactless debit card that you can use for purchases, and for withdrawals or deposits at ATMs (deposits not accepted at all ATMs). It typically takes 14-21 days to receive your Alliant Visa debit card by mail.

What types of transactions are eligible for ATM fee rebates?

Deposits, withdrawals (including international withdrawals!), transfers, or balance inquiries made using an Alliant Checking or Teen Checking debit card are eligible for our ATM fee rebate, up to $20/month. International withdrawals will still have a 1% Visa foreign transaction fee. This rebate does not apply to cash advances from Alliant Visa® credit cards through ATMs or to the Alliant Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. Not all ATMs accept deposits. 

Are there any fees with an Alliant checking account?

An Alliant checking account has no monthly maintenance fees, no overdraft fees,19 no monthly minimum balance requirement104 and no maximum balance limit. Standard fees, such as stop payment and check printing, do apply.

Does Alliant do a hard credit check for checking account applicants?

No. When reviewing applications, Alliant conducts a “soft credit check,” which won’t affect your credit or credit score.

Does Alliant offer Cashier’s checks?

Alliant offers an "Official Credit Union Check" that functions the same as a cashier's check. You can request an Official Credit Union Check through online banking by clicking on "Manage Account" and selecting "Withdrawal by Check," or by calling us at 800-328-1935. Funds are deducted from your account at the time the Official Credit Union check is issued. There is no fee for the issuance of an Alliant Official Credit Union Check unless you request that the check mailing be expedited, in which case you will be charged for express shipping. 

Are my account funds insured to protect me from loss?

Alliant deposit accounts are federally insured up to $250,000 by the NCUA. To learn the details of funds coverage, visit the NCUA page on the Alliant website. 

Am I signed up for Courtesy Pay or Overdraft Protection automatically?

No. Although both services are free, you need to enroll in these features to use them. Qualified members can do so in Alliant’s online banking. To be eligible for Courtesy Pay, you need to be a member for 6 months and transfer $600 into your account from external institutions each month.

Are Alliant Visa contactless debit cards compatible with mobile wallets?

Yes. Your contactless Alliant Visa debit card works with mobile wallets and peer-to-peer payment apps like Apple Pay, Google Pay, PayPal, Venmo and Cash App.  

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