High-rate checking that really pays

Earn a market-leading rate of return on your money with our free, high-interest rate checking account.

The Run Down
  • Rate 7.2x the national average69
  • No monthly service fee19 or minimum balance requirements
  • Over 80,000 surcharge-free ATMs59
  • ATM Rebates up to $20/month for out-of-network ATMs (excludes 1% Visa foreign transaction fee)
  • Easy-to-use online banking and mobile banking app
  • Free Visa debit card that's Google Pay™, Apple Pay™ and Samsung Pay™ ready38
  • Free Visa® debit card and first box of checks 
  • Award-winning rates 
  • Courtesy Pay and Overdraft Protection19 
  • NCUA insured to at least $250,000
  • Note: Alliant does not offer business checking accounts
0.65 %
0.648 %
Earn 1.95% APY on your savings!63

Your savings grows faster with Alliant’s high savings rates.

Learn more about savings

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"Best Free Checking Accounts 2018" - MyBankTracker


"Best Checking Accounts 2018" - NerdWallet

Bankrate logo - Best Credit Union of 2017

"Best Credit Union of 2017" - Bankrate

How to qualify for Alliant High-Rate Checking

You must meet two simple requirements monthly to qualify. If you don’t fulfill each requirement monthly, you won’t earn high-yield checking interest for that month.

  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.

Save money with fee-free checking

No unexpected fees

We don't charge monthly service or minimum balance fees with Alliant High-Rate Checking. Standard fees, such as non-sufficient funds and check printing, do apply. Please see our simple fee schedule for a complete list.

ATM Rebates

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.

Free Visa® debit card

You'll receive a free Visa debit card and a free box of checks at no cost when you sign up! After the first box, you can order more checks for as low as $15 per box.

Deposit money from anywhere with the Alliant Mobile Deposit tool. It’s as easy for first-timers as it is for old pros and no photography skills are needed.

Mobile Deposit

Deposit money from anywhere with the Alliant Mobile Deposit tool. It’s as easy for first-timers as it is for old pros and no photography skills are needed.

To get started using Mobile Check Deposit, download the latest version of the Alliant iPhone or Android App. To log in, use your existing online banking credentials. 

and open
the "Alliant Mobile
Banking App"
Visit your phone's app store
to download.
Log In
and Tap on Deposit
to begin
check amount
You'll have to agree to the
mobile check deposit agreement
before reaching this step.
your preferred
deposit account
Take Picture
front/back of check
(remember to sign it!)
and Submit
Keep checks
for 30 days.

Don't worry about overdrafts

We offer two programs to help you avoid accidental overdrafts: Overdraft Protection and Courtesy Pay19. Opt in to either program — or both! — to ensure maximum protection against inconvenient overdrafts. 

Overdraft Protection

Increase your peace of mind by opting in to free Overdraft Protection. We’ll automatically transfer money from your Alliant Savings or Alliant Supplemental Savings Account to avoid overdrafts. 

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 $28 fee per covered item, and the overdraft balance plus fees are due within 17 days. 

Safe and secure

You’re protected against fraudulent purchases made with your Visa debit card with the Visa zero-liability guarantee.37 This helps block suspicious transactions, particularly when they occur in foreign countries where fraud is widespread. If you are planning to travel internationally, please call us at 800-328-1935 or fill out a travel notification form by logging in to online banking. 

Lost or stolen debit card
If your card is lost or stolen, please call us at 800-328-1935. For international inquiries, call 773-462-2000.

Plus, don't forget that your checking account is insured up to $250,000 by the NCUA. See our security center to learn more about how Alliant keeps you safe.

Convenient online services

Online bill pay43
Easily pay your bills online with zero fees. You can set up an unlimited number of payees, schedule automatic and recurring payments and pay your Alliant loans, mortgage and credit cards. Cancel or change scheduled payments at any time with an easy-to-use interface in online banking.

Unlimited transfers
Transfer money between Alliant accounts or to accounts outside of Alliant for free. You can schedule transfers as one time, future or recurring. There's no limit to the number of transfers you can make. Standard ACH transfers are free. We also offer wire transfers for a fee of $25 for a domestic wire transfer and $50 for an international wire transfer. Incoming wire transfers are free.

Go paperless with eStatements
Reduce the clutter in your life with Alliant eStatements. eStatement PDF files contain the same information as paper statements, but they’re delivered instantly and securely through online banking. You can access 18 months of past statements through online banking.


High-Rate Checking Account Rates61

0.65 %
0.648 %

Let Me Know When Alliant Rates Gets Even Better

High-rate 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® 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?

You’ll enjoy ultimate flexibility and peace of mind with an Alliant Checking Account. There are no monthly maintenance fees, no minimum balance requirement and no maximum balance limit. Best of all, you get easy access to your cash through our 80,000+ surcharge-free ATM network and up to $20 per month in ATM rebates (excludes 1% Visa foreign transaction fee) for debit card transactions. 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.

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

No. When reviewing a prospective member’s application, Alliant conducts what is called a “soft credit check.” Soft inquiries won’t affect your credit or credit score in any way.

Do Google Pay, Apple Pay and Samsung Pay work with my checking account?

Absolutely. Your Visa debit card tied to your Alliant Checking Account is compatible with Google Pay, Apple Pay and Samsung Pay. Learn how to enroll your debit card in your preferred mobile payment platform today.

What types of transactions are eligible for the ATM rebate?

Deposits, withdrawals (including international withdrawals!), transfers, or balance inquiries made using a debit card associated with your Alliant Checking Account or Teen Checking Account are all transactions eligible for our ATM 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. 

Does Alliant offer Cashier’s checks?

Alliant offers an "Official Credit Union Check" that function the same as a Cashier's Check. You can get an Official Credit Union Check by requesting one through Alliant Online Banking, by calling Alliant Phone Banking 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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