High-Interest Checking paired with an award-winning mobile app

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

Person looking at checking account on Alliant mobile app with debit card
The Run Down
  • Rate 4.2x the national average69
  • No monthly service fee19 or minimum balance requirements
  • Access to 80,000+ fee-free ATMs59
  • $20/month in ATM fee rebates19
  • Tap to pay with a free Visa contactless debit card
  • Award-winning online banking and mobile banking app
  • Note: Alliant does not offer business checking accounts
Rates
0.25 %
APY
0.25 %
Have a teenager?

Alliant Teen Checking is the perfect checking account for teens 13-17. It's specially designed to help them learn how to manage their money.

Learn More


Check out our awards

MyBankTracker Best Checking Accounts 2020

Nerdwallet - Best Bank for Online Experience of 2020

GoBankingRates Best Credit Unions 2020


Saving time and money should be simple

No unexpected fees

Wave goodbye to monthly service and minimum balance fees. Standard fees such as non-sufficient funds do apply. Please see our simple fee schedule for a complete list.

Goodbye ATM scavenger hunts

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

Contactless Visa® debit card

For a safe, secure and easy way to pay, simply tap to pay with your contactless debit card when paying for groceries, coffee and even gas! It’s fast and convenient, and your account is covered with state-of-the-art fraud protection.

Mobile deposit

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

Features for your peace of mind

$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.

Pay with your smartphone

Life moves quickly and so do you. Pay quickly and securely with your smartphone, even if you left your card at home. Alliant debit cards are compatible with digital wallets like Apple Pay™, Samsung Pay™ and Google Pay™, and other payment apps like PayPal and Venmo. Learn how to add your card to your mobile wallet.

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.

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.

Courtesy pay

With Courtesy Pay, Alliant will cover checks, electronic payments and transfers that won’t clear due to insufficient funds, helping you avoid the hassle and expense of declined transactions. There is a fee per covered item, and the overdraft balance plus fees are due within 17 days. See fee schedule.

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

Checking that’s simple and smart

How to earn interest on your checking

Meet two simple requirements each month to qualify for your great rate.

  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 monthly maintenance 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 Gets Even Better

Attention California residents: You can find Alliant’s California Privacy Statement, as required by the California Consumer Privacy Act, by clicking here.

High-interest checking 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 monthly.

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).

Are there any fees with an Alliant Checking Account?

An Alliant Checking account has no monthly maintenance fees, no minimum balance requirement and no maximum balance limit. Standard fees, such as non-sufficient funds (NSF) 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.

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) fees. 

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 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

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