Earn 1.75% APY on your money with an Alliant High-Rate Savings Account.
Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan. Members save an average of $3,383 off MSRP.
Earn top dollar with rates up to 2.90%APY.
Earn rewards, get cash back or take advantage of a low standard variable rate.
Earn a market-leading rate of return on your money with our free, high-interest rate checking account.
Your savings grows faster with Alliant’s high savings rates.
Learn more about savings
"Best Free Checking Accounts 2018" - MyBankTracker
"Best Checking Accounts 2018" - NerdWallet
"Best Credit Union of 2017" - Bankrate
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.
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.
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.
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 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.
Switch your checking to Alliant in 3 simple steps
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.
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.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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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Im very pleased with my checking acct.with Alliant.Customer service is always helpful and patient
We have various accounts with Alliant Credit Union and have found all to be exactly what we wanted. Accounts are easily accessible and easily managed. The few times that we've had to speak to a representative, we found them to be friendly, knowledgeable and quick to respond to our needs.
The closest Alliant credit union is 20 miles away from my home. I couldn't find my atm card and was not able to get cash from in side the bank because they don't take cash or give cash!! And the other credit union I use to go is no longer affiliate with Alliant credit union! This credit union sucks!!
I changed all my banking to Alliant Credit Union and never regret it. Why pay for banking if Alliant Credit Union is easy to work with and never disappointed me. Anyone who has the opportunity to change to Alliant Credit Union all I can say "best I ever did regards banking".
My experienced from the day I joined till I retired is always beyond expectation from Ohare airport or any other office or phone calls. Alliant team are always pleasant to communicate with personally or the phone. Thank you for the great service!
I have been a member of many credit unions and I have to say that Alliant is the best in every dimension of services!
Whenever I need help, Alliant is there for me. I Always get to speak to a human. And, my concern is addressed, and resolved.
I started a checking and savings account for myself and children a couple years ago. Excellent rate as well as tools to help you plan and budget. I also receive my free credit score.
Credit Unions Are the only to go. People should wake up
All the staff (including the managers) at the Oakland downtown branch are very professional and always go above and beyond to assist my husband and I. Great Service and advice in banking!
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