Earn 1.60% 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 2.70%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.
Grow your savings faster with Alliant's higher savings rate.
Learn more now
"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.
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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Alliant CU has great customer service super people working for you and always eager to help all the people who call them or do live chat. Good rates but of course could be better but keep doing the great work!!!
I was a Continental Federal Credit Union member for many years before the CAL-United merger. There is a big between the two credit unions. Alliant's service is not as good as CFCU. It seems like Alliant is only interested in collecting fees from customers and increasing profits for their own benefit. I've had it. I'm shopping for a new banking institution.
I've used Alliant Credit Union for I believe five years now. I have never had a problem . I have my retirement and social security checks directly deposited into my checking and into my savings accounts. If my checking gets low I transfer money from my savings into my checking. It is so easy to do, and there is no fees to do so. The monthly bank statement I download and reconcile like clockwork, the statement is easy to read. I also have a visa credit card which is very convient and I can see the transactions on my computer. I am vey satisfied with Alliant Credit Union and look forward to many years of great service.
Very easy to transfer and with a great rate of return!
I have been a member of the Alliant Credit Union (formerly United Airlines Employee Credit union) and found the interest rates to be not only comparable to other banks, but in many cases MORE than the standard interest rate on saving. I also earn interest on checking, without maintaining outrageous min. balances, like $5,000). Both my daughters also have accounts with Alliant, as well. The only con, is that I can not withdraw cash from the account. But, I understand that by giving up that feature, I get the higher interest rate.
It's great for a checking account
i love the overdraft protection, and the customer service is excellent ,i can be buying a car or anything else with a quick phone call i have the money
Don't use this cu if there is not a branch nearby
I've had this account for over 2 yrs now and I've never had a problem with my checking or my savings. And I enjoy the dividends at the end of the month as well. I also like all the options available to the members. Great choice, I do not regret getting this credit union for one of my banking institution. I would receive it.
I was a customer of Charles Schwab recently and Alliant is far better in my opinion. The only knock I would say are some of the fee's. For instance they charge $3 if you overdrawn this account, but to pull the money out of your savings (if you have one setup). That part is NOT great. But if you never overdraw your account then great choice.
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