We’ll pay you back up to $20/month in ATM charges if you use an out-of-network ATM to access your checking account.
Want a low rate? High rewards? A prestige cashback card? We’ve got the right card for your needs.
Simplify your life and save money when you refinance.
Alliant returns profits to our members through higher savings rates, lower loan rates, and fewer fees. And we make it easy to bank with 24/7 account access.
Teen Checking – with smart limits and parental monitoring – helps you teach money skills.
Earn better-than-bank rates on your money with our high rate checking account.
That's 18.2x the national bank average!71
Learn more about savings
"Best Checking Accounts 2018" - MyBankTracker
"Best Checking Accounts 2018" - NerdWallet
"Best Credit Union of 2017" - Bankrate
Meet two simple requirements each month to qualify for high-yield checking. You’ll earn 8.1x the interest most banks pay.69
Opt in to receive free 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 monthly maintenance fee, you just won't earn interest that month.
We don't charge monthly service or minimum balance fees. Standard fees, such as non-sufficient funds and check printing, do apply. Please see our simple fee schedule for a complete list.
Tired of ATM fees? With our ATM Rebate Program, we’ll pay you back up to $20/month in ATM charges if you use an out-of-network ATM (excludes 1% Visa foreign transaction fee). We’ll deposit rebates into your checking account at the end of each day, so you’ll get the money back quickly.
You'll receive a free Visa debit card and one free box of checks when you sign up! After the first box, you can order more checks for as low as $15 per box.
Switch your checking to Alliant in 3 simple steps
Make mobile deposits with the Alliant Mobile Banking app. It’s as easy for first-timers as it is for old pros and no photography skills are needed.
To get started, download the latest version of the app for iPhone or Android.
Don’t worry about accidental overdrafts. Opt in to our overdraft protection and we’ll automatically transfer money from your Alliant savings account so you can avoid an overdraft.
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
We offer two-way, real-time text alerts to protect you from debit card fraud. Your debit card also comes with the Visa zero-liability guarantee.
Let Me Know When Alliant Rates Gets Even Better
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 monthly.
Yes. You will receive a free Visa® debit card that you can use for purchases, and for withdrawals or deposits at ATMs (deposits not accepted at all ATMs).
An Alliant Checking Account has no monthly maintenance fees, no minimum balance requirement and no maximum balance limit. Our 80,000+ surcharge-free ATMs and up to $20 per month in out-of-network ATM fee rebates (excludes 1% Visa foreign transaction fee) for debit card transactions make accessing your money easy. This rebate does not apply to cash advances from Alliant Visa® credit cards through ATMs or to the Alliant Convenience Card and Visa International Service Assessment (ISA) fees. Standard fees, such as non-sufficient funds (NSF) and check printing, do apply.
No. When reviewing applications, Alliant conducts a “soft credit check,” which won’t affect your credit or credit score.
Absolutely. Your Alliant Checking Account Visa debit card is compatible with Google Pay, Apple Pay and Samsung Pay. Learn how to enroll your debit card in your preferred mobile payment platform today.
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 Convenience Card and Visa International Service Assessment (ISA) fees.
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 calling us at 800-328-1935, or by visiting an Alliant branch. 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.
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I've had different checking accounts with pretty much every major US bank in the past and out of all of them Alliant Credit Union is my absolute favorite. I wanted a free checking account because I was tired of paying so much in fees to my old bank so I became an Alliant member with their free high interest checking and I'm so happy with my decision! I love how Alliant gives you so many awesome features with their checking account product and unlike online banks where you can't deposit cash, with Alliant you can actually deposit cash and checks through other credit union ATMS (just use their easy to use ATM locator)! Alliant's Online Banking is one of the best online banking systems I have ever used too. They make it so easy to do just about everything through their online banking portal (I was able to activate my new Alliant ATM card and setup the pin number, order my first order of FREE checks, and much more!). They also have a sweet mobile app which you can do all your banking on the go and deposit checks through. I could go on all day listing everything I love about my new Alliant membership.
If you're looking for a free checking account (or just a checking account in general) then I highly recommend you become a member of Alliant Credit Union! Drop everything you're doing, grab a cup of coffee, brace yourself for the incoming barrage of FREE features and amazing customer service, and get your Alliant free checking account today!
Best checking. What's not to like. This checking account gets good interest with no minimum amount needed. I use an automatic incoming transfer from another bank to keep getting the interest. For almost 10 years Alliant has good to me.
My last bank's check interest rate was .01 percent for an "interest" checking account, unless to breach the $50,000 mark. This account offers significantly higher interest and easy to get ahold of customer service. They have also been very friendly and helpful over the phone.
While I am quite happy with Alliant, I must say there's nothing high about high rate checking. It's as good as most others.
Alliant is a fabulous credit union. I like my checking account because it's easy to do on-line banking from home, there are many ATMs I can use, both Alliant and non-Alliant, for free. Alliant pays interest on my checking account, which I really like. Also, whenever I have a question I can send a message to Alliant through their website and I receive a prompt, curtious and informative reply. The few times I've actually gone into my local branch, the customer service has been excellent, too. What's to not love about Alliant? I recommend them highly.
I have been a member for many years. This account satisfies all of my banking needs. The fees are better than traditional banks and the personal service if for any reason I have to call is friendly and helpful. Thank you Alliant. You have me as a customer for life.
This account was offered to retirees of my prior employer. Great place to park my emergency funds.
Fantastic customer service, unmatched rates (car loans, savings and checking accounts) and seamless transactions. Way to go Alliant! I belong to two other CUs and, while they beat out the big and local banks, they fall short of Alliant.
In today's environment, with everything electronic, it's absolutely crazy to only have "6" transfers between checking and savings. I was out of town and a couple items cleared my account before I could transfer money over and each one caused a transfer. So since I can't transfer money from savings, each transaction this month will cost another $3.00!!! I will be finding another banking institution.
Its not just high rate checking/savings, or a great CC with no balance transfer fees. I have been a member forever. well 17 years and before they were Alliant. They have a consistent recored of great customer service. Great industry pricing and ease of use for the end user. None better. Period
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