Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
Manage your money on the go without the hassle of sneaky fees or ATM scavenger hunts.
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Mistakes happen. That’s why you won’t pay unexpected fees like overdraft, monthly service and minimum balance fees. Please see our simple fee schedule for a complete list.
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
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
Deposit checks anytime, from virtually anywhere with the Alliant Mobile Banking app.19 Watch this short video to learn how.
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
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.
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.
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
With the Visa $0 fraud liability feature37, you never pay for unauthorized charges on your debit card. Plus, 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 or visit Alliant’s Security Center.
Set up eligible direct deposits with your employer or Social Security to automatically get paid up to two days early.110
Switch your checking to Alliant in 3 simple steps
Meet two simple requirements each month to qualify for a rate that surpasses most banks’ savings accounts.
Opt in to receive eStatements rather than paper statements.
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.
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Non-standard service fees may apply, please view our full fee schedule. Fees subject to change.
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.
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.
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.
An Alliant checking account has no monthly maintenance fees, no overdraft fees,19 no monthly minimum balance requirement104 and no maximum balance limit.
No. When reviewing applications, Alliant conducts a “soft credit check,” which won’t affect your credit or credit score.
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.
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.
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.
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.
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.
