How can I open a certificate? For your convenience, we offer several easy ways to open an Alliant certificate. If you're already an Alliant member, just log in to online banking, select ‘Explore Products’ and then ‘Certificate’ and follow the prompts. If you're not yet a member, simply select Certificates from the list of account types in the online Alliant membership application. Note: Individual Retirement Account (IRA) certificates cannot be opened through online banking.