High-Rate Checking

With Alliant’s award-winning High-Rate Checking Account, you can conveniently access your account and earn 0.25% APY on your checking account balance.1

Don’t want to pay to get rewarded?

  • No monthly service or minimum balance fees1
  • High interest rate, 4.2x the national average, when you opt-in to eStatements and have at least one electronic deposit per month1

Need an ATM wherever you are?

  • Over 80,000 surcharge-free ATMs2
  • Out-of-network ATM fee rebates up to $20/month2

Want some more perks?

  • Easy-to-use online and mobile banking
  • Free Visa® debit card and first box of checks

Our High-Rate Checking Account was made with you in mind! Make the switch today.

As part of your application, Alliant will pull a soft credit inquiry. If you have a credit freeze, you’ll need to lift it to apply. Applying for a checking or savings account will not impact your credit score.

1. APY=Annual Percentage Yield. Alliant High Rate Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend.

The July 2020 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 06/24/2020 dividend declaration date. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn a dividend. Alliant checking does not have a monthly service fee; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule at www.alliantcreditunion.com for a list of these types of fees. Fees may reduce earnings. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule at www.alliantcreditunion.com/fees. To avoid the paper statement fee, log in to Alliant Online Banking at www.alliantcreditunion.com to change your statement preference to eStatements.

Comparison based on Alliant Credit Union 0.25% APY as of 07/01/2020 vs. the bank national average checking rate as of 07/01/2020 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

2. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Please see the online ATM Locator at www.alliantcreditunion.com or our mobile banking app for a list of ATMs that accept deposits or are surcharge-free.

Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant Visa Debit Card to make a deposit, withdrawal, transfer or balance inquiry. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card and Visa International Service Assessment (ISA) fees. Not all ATMs accept deposits.

Contact Us

Have a question? Just want to chat? We’re here for you, 24/7.

TDD/TTY: 773-462-2300
International Calls:
For all general inquiries,
please send us an email.

For account-specific questions, please log in to Alliant Online Banking and use secure e-mail or contact us at 800-328-1935 (24/7).

Alliant Credit Union
P.O. Box 66945
Chicago, IL 60666-0945

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