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.
Open a savings account dedicated to your goal.
With an average daily balance of $100 or more
Our mobile app gives you access to your Alliant Account in the palm of your hand.
Download the Mobile App
Open up to 19 supplemental savings accounts and give each account a nickname specific to your savings goals.
Take advantage of Alliant’s high savings rates by keeping an average daily balance of $100 or more63 in each savings account.
Conveniently manage your money via Alliant Mobile Banking, Alliant Online Banking or one of 80,000+ in-network ATMs. Plus, use your smartphone and Alliant Mobile Banking to make deposits from anywhere.
Build an emergency fund or save for something special by setting up one-time or recurring transfers between your accounts, including accounts outside Alliant.
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The only difference is that a supplemental savings is an additional savings account. You can name each account based on your specific financial goals — saving up for a vacation, wedding, emergency fund, etc. — allowing you to more easily track your progress toward that goal.
Supplemental Savings Accounts can be opened in just a few easy steps in Alliant Online Banking. These accounts, dedicated to a particular financial need (emergency fund, holiday gifts, weddings, vacations, etc.), are a great way to reach your savings goals.
To optimize your savings, set up automated recurring transfers to your new account. Just select Transfer Money and indicate the account you want the money transferred from.
Please note that while there is no minimum balance required to keep your account open, you need to maintain an average daily balance of $100 to be eligible for dividends on your account.
Yes. You can have up to 19 supplemental savings accounts.
Federal regulations limit pre-authorized withdrawals to six per month per savings account.
The minimum balance to keep your savings account open is $5. To earn interest, you must maintain a daily average minimum balance of $100. Alliant interest is paid monthly.
Savings accounts are a convenient way for members to save money. Federal regulations restrict the number of electronic transactions on savings accounts to six per month, excluding personal withdrawals. For this reason, we provide members a limited-use Convenience Card, which permits members to withdraw cash from Alliant network ATMs. We encourage members to open a checking account for more flexible access to their money, while relying on a savings account for their money to remain and grow.
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We set a fixed amount of funds that were dedicated to our Granddaughters college expenses. We did not want to mix these with our savings and checking accounts. When we pay these expenses,usually by credit card, we just transfer into checking. This helps us keep track of the remaining balance.
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I've set up several savings accounts: home repairs, next car fund, vacation, and charity. I use auto-transfer for the charity and vacation accounts. And I add to the home repair and car accounts when I get my bonus, tax refund, and extra paychecks twice per year!
I am on a fixed income. My house is paid off, but I still have to pay property taxes, home insurance and car insurance. I add these expenses up and divide them by twelve. then I deposit that amount each month so the money is there when these expenses come due. Makes you sleep better.
We use it to budget our mortgage paymentd
I keep 4 active accounts titled : "Personal Savings", " Personal Checking", "House Savings" & "House Checking". The first 2 are self-explanatory. House Saving's is for larger recurring bills like, property taxes, car insurance, life insurance, etc. House Bills checking is for utilities & water, mortgage payments, HOAs, etc. Every payday I deposit a specific amount into each account so that when the bills come, the money is already there. I could not manage without doing a monthly budget. It takes the worry out of the equation & a budget gives me permission to spend money on specific categories like clothing, dining out or entertainment.
My husband and I have been with Alliant CU for many years and love it. Today, I wanted to share how I use multiple "Supplemental" savings accounts. I consider the main member account ("Savings" acct) and checking acct to be 'exposed' accounts (w/ ATM access, Direct deposit, Auto draft, I give the numbers to 3rd party elements). So, I keep enough money necessary for the foreseeable future in those accts (this way, if the acct information is compromised, the damage will be limited) and keep most of my savings in Supplemental Savings accts. I keep one for investment money, one for living expenses, etc. Any time I need an acct for a separate goal, I can open one, custom-name it, and 'hide' the fund in it. I can then transfer necessary amount to the checking acct (instant transaction) when I need to make payments or transfer to an external bank acct. Consolidated monthly statements and 1099-INT make managing multiple accounts simple enough.
Many years ago I set up a supplemental savings and checking account to address two major issues. First, credit card theft was becoming an increasing threat and I didn't want my entire savings to be put in jeopardy. Second, transitioning from cash for most daily transactions made it too easy to over spend, creating frequent overdraft charges. To address these concerns I created a separation between the account into which my paychecks were deposited (supplemental savings), an account for paying bills (supplemental checking), and any incidental purchases that may be exposed to theft or spoofing activities (primary debit/checking). With this system in place, I only transfer enough money to cover bills in the bill paying account and keep a very low balance in the incidental debit account to limit my exposure to fraud. I am very happy with this system as it has reduced my exposure, increased my ability to track necessary expenses vs incidentals, and has reduced the possibility of overdraft charges from making an impulse purchase before a bill has cleared.
I have used supplemental savings accounts for a number of years. I started out with one for the property taxes so that I was sure to account for it consistently. Now I have 1 for my house and car insurance and a vacation one to have a FUN thing to save for too. Automatic transfers occur for the property tax and insurances but the vacation account gets funded with every extra dollar that I can get my hands on.
My income is from my pension and is always the same amount and is deposited on the 1st of the month. Any money left over on the last day of the month is transferred to a supplemental savings account. I do not spend more than I receive every month, saving any left over. It adds up.
So I love being able to have multiple savings accounts with no charges. It allows me to keep money away from my loose spending hands and to save for long or short term goals that I know I have coming up. For example I have accounts for yearly payments like insurance, a gift account for birthdays and Christmas (because it always seems to sneak up on me), a car account for major repairs and/or a future vehicle. They are perfect because I can pull just a little out each month from my checking and over time it adds up!
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