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.
Want to know more about this product? Search our friendly help guide!
I have been a member for about 5 years. I have my checking, savings, and a credit card with Alliant. By far the best financial institution when it comes to these three areas. My experience has been nothing but great. I have not used them for any other services yet, but this will definitely be my first stop when doing so.
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I have had my account for over a year now and absolutely love the automatic ATM fee refunds, expanded network of CO-OP ATM's to deposit cash or checks, the mobile app to check balances and pending transactions on the go, and the account has one of the best rates without having to meet any transaction quotas. The only thing I wish they would change is the posting direct deposits when received rather than the effective date of the deposit like most other credit unions but its not a deal breaker since the account itself is great.
Just joined, love the ease of navigation of online, mobile, other self help areas! Thanks Alliant, I too am a member of multiple credit unions, etc and would list this one as tops!
All the other banks require debit card use to get minimal interest on the funds still in the checking account. It is so much more difficult to budget that way, I want to know what is in the bank so I can use it to pay bills -- and - oh my - there is always a bit more. Thank you Alliant.
I have a HSA account, savings account, and a checking account and could not be happier with their professional service! I recomend them highly. Easy to use and secure.
Not being able to deposit cash into my account makes it difficult to add money quickly to my account in an emergency. Depositing a check doesn't really get the job done as it takes days to clear.
My review is fory experiences as a banking customer with both a savings and a checkimg account. I was thrilled to find a long-distance online credit union from my rural isolated home. A bit nervous at first though, since there's not a brick-and-mortar branch near me. After almost 2 years with Alliant, I am so very pleased with Everything 😊 . My favorites are Excellent Available Customer Service, Easy Transfers, and Reliable Banking Policies. Also the extra service charges are seldom and minimal 😊 . Great credit union 😊 ! -Irene.
I love my Alliant checking...nice better than major bank interest rate and better than most credit unions too, easy transfers both internal and external as well as easy to set up periodic or scheduled transfers inside and outside the credit union to other accounts I have, quick and with no fee, unlike the major banks, online baking works great and account transactions are clear, presented nicely and easy to understand. Free Mobile check deposit is great when you have no branch nearby (I live on Central Coast of CA...no branch nearby) and you want the convenience of depositing at home or on the go and many if not most deposits are immediately posted. Alliant gives you way more ATM options than almost anyone else for no fee, so convenient and reimburses if you have to use an ATM outside their many networks. I have never had to pay at an ATM and you can deposit at US Bank ATMs and most credit unions too, all for no fee. Very good customer service at almost anytime by phone if needed. Like I said, this is a great checking account and I have had many.
Alliant Credit union has plenty of benefits that can be of great service to their customers. Also Alliant is constantly checking their customers for feed back on ways to improve matters!
Been a member for more than 20yrs Positively love my credit union Never had a problem . Had car loan CDs etc.. no problem . Wish they offered a Home Line of Credit at lower rate
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