Just a $25 initial deposit required to open your checking account. You’re already an Alliant member with a High-Rate Savings account so this will only take a moment. 

Set up direct deposit to your new Alliant High-Rate Checking account so $1,500 or more is deposited within 45 calendar days of opening the account. 

Kick back and wait for your payday: By December 19, 2025, your $300 bonus will be deposited to your new High-Rate Checking Account to further build your savings or use however you want.

With no monthly service fees,² no overdraft fees² and no monthly minimum balance,³ you’ll avoid the annoying fees that big banks love, plus earn 0.25% APY interest.²

If the nearest ATM is not a part of our network, Alliant reimburses the fees up to $20 a month. No waiting—we’ll deposit rebates into your checking account at the end of each day. 

Your paycheck or Social Security deposit may now be available up to two days early.⁵ Use your funds however you wish and enjoy peace of mind with early access to your money.

What do I need to do to receive the $300 deposit bonus?

To be eligible for the $300 bonus deposit:

• Apply for, and open, one new Alliant Credit Union Checking account between October 1, 2025, and October 31, 2025.
• Make direct deposit(s) totaling a minimum of $1,500 into the newly opened Alliant Credit Union Checking account within 45 calendar days of the Checking account opening.

When will I receive the $300 deposit?

Alliant will deposit your $300 bonus deposit to your Alliant Credit Union Checking account by December 19, 2025. Your Checking account must remain open and within good-standing through this day for the bonus to be applied.

How do I set up a direct deposit?

Find out how to set up your direct deposit

What are the requirements to earn interest on Alliant’s High-Rate Checking account?

Find out what the requirements are

What else should I know about Alliant's High-Rate Checking account?

Learn more about Alliant's High-Rate Checking account: Alliant High-Rate Checking FAQs

How does direct deposit work? When will the money in a direct deposit become available to me?

Direct deposit is a way for your employer or other organization to deposit your paycheck or other funds electronically to one of your accounts rather than a paper check. It requires the use of an electronic network called the automated clearing house (ACH) to facilitate taking money out of the sender’s account and transferring to your credit union or bank.

With Alliant, paychecks from your employer or Social Security are both automatically eligible for Early Payday when setting up direct deposit into your Alliant account(s), meaning the funds from your paycheck or a Social Security deposit may be available up to two days earlier than the scheduled payment date.⁵

1. $300 Checking Account + Direct Deposit Bonus Terms and Conditions. TBD

2. Your first box of standard checks is free. Other check designs are available for an extra charge.

Alliant checking charges no monthly maintenance or service fees. Please refer to the Alliant Fee Schedule for a list of fees.

Overdraft protection is optional. You must opt in to benefit from this free service and you can unenroll at any time. Alliant's overdraft protection program honors your overdrafts on your checking account when you don’t have enough money in your Alliant checking account to cover a transaction, provided you have enough money in your Alliant Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your Alliant Savings or Supplemental Savings Account to your Alliant checking account to cover your overdrafts. Overdraft protection does not cover ATM transactions.

Courtesy Pay is a discretionary "courtesy" overdraft service. There is no fee to enroll in or use the Courtesy Pay service and you can unenroll at any time. To be eligible for Courtesy Pay, members must be in good standing and have an Alliant checking account that has been open for at least six months. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totaling at least $600 into their Alliant checking account in the previous 30 days. Standard Courtesy Pay may pay checks and ACH electronic items that would not have cleared otherwise due to insufficient funds, up to an approved limit. The full amount of the overdraft balance will be due immediately but in no event more than 30 days from the date of the occurrence at which time Courtesy Pay privileges will be suspended and possibly terminated. If you opt in for extended coverage, Courtesy Pay may also cover everyday debit transactions on your Alliant Visa debit card that would not have cleared otherwise due to insufficient funds, up to an approved limit. See the Alliant Account Agreement and Disclosures and the Courtesy Pay Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions. We may not pay an overdraft if you do not meet eligibility standards.

Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant checking account 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 Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. Not all ATMs accept deposits.

Limitations apply. Mobile check deposit requires a camera-enabled mobile device. Data and text charges may apply. Check with your mobile service provider.

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 7/1/2025 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the {{div-declare-date}} dividend declaration date. Checking dividend may change after account is opened and is subject to change at any time. There is no minimum balance requirement to earn a dividend. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

3. There is no minimum balance requirement to maintain a High-Rate Checking account. However, there is a minimum opening deposit requirement of $25 for new and existing Alliant members that open a High-Rate Checking account online via open.alliantcreditunion.com (see the Truth-in-Savings Disclosure Chart in the Account Agreement and Disclosures for more information regarding minimum opening deposit requirements). Any funds that are deposited at account opening to satisfy a minimum opening deposit requirement may be withdrawn at any time. High-Rate Checking accounts that are opened via a paper application, online banking, or in connection with obtaining an Alliant loan (whether originated directly by Alliant or through an indirect lending channel) do not have a minimum opening deposit requirement.

4. 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 fee free. Not all ATMs accept deposits.

5. With Early Payday, Alliant Credit Union may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposit by payor and standard fraud prevention restrictions. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday.

If Alliant makes funds available early through Early Payday and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by Alliant, Alliant may debit your account for the deposit amount previously made available early, which may draw your account negative.

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