Up to 2.00% APY64, no monthly fees19, and unlimited earning potential.
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✓ Earn up to 2.00% APY64 on your entire checking balance with no caps on interest earned
✓ Automatically get an Alliant High-Rate Savings Account, which earns 15x the national average71
✓ No monthly account service fees19
✓ No overdraft fees19
✓ Access to 80,000 fee-free ATMs59
✓ Unlimited ATM rebates (Highest tier required)19,64
✓ Zero liability on fraudulent Visa® transactions37
✓ Get paid up to 2 days early with Early Payday110
✓ Seamless mobile wallet integration
✓ New, modern card design with fast, secure tap-to-pay checkout
Anyone can apply to become a member of Alliant—a digital credit union that rewards its members with higher savings rates and lower fees.
Rest easy knowing the funds in your deposit accounts are federally insured up to $250,000.
Receive alerts via text message, email, or mobile app when there’s unusual account activity.
Straightforward checking designed to do more for your everyday spending with tools that simplify it all.
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Our tiers reward your relationship. The more you qualify, the more you unlock, including higher rates and added perks:
Jumbo High-Rate Checking is a tiered account that lets you earn higher APYs—up to 2.00%—by increasing your monthly direct deposits and meeting additional requirements, with added benefits like increased ATM rebates at the highest tier.
High-Rate Checking offers a simpler, non-tiered structure where you earn an APY by having a recurring monthly electronic deposit to your Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit, or transfer from another financial institution) and meeting additional requirements, without the ability to boost your earnings through direct deposit activity.
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.
There is no monthly fee to maintain an Alliant Jumbo High-Rate Checking account. However, to qualify for the highest earning tier, you must maintain an average daily balance of $10,000 across all your Alliant deposit accounts in which you are the primary owner (balances in accounts where you are joint, trustee, or custodian do not apply), receive $5,000 in monthly direct deposits to the account, and opt in to eStatements.
No, there is no maximum amount of interest you can earn with the Alliant Jumbo High-Rate Checking account.
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.
