Fast Pass to $400 | Alliant Credit Union

Alliant does not offer business checking accounts.

1. Fast Pass Terms & Conditions

This promotion is for new and existing members of Alliant Credit Union (“Alliant”) who are current or retired employees from one of the many businesses and organizations Alliant partners with in the U.S., and received an email about this promotion. Select employer groups not on Alliant’s eligibility list including Foster Care to Success (FC2S) cannot take advantage of this offer at this time. These eligible new and existing members must open an Alliant Checking, Savings, or Certificate Account (“Account”) and meet the following requirements to receive the following rewards: a) $100 bonus deposit for opening a savings account by March 31, 2023 and maintain a minimum average daily balance of $1000 through April 30, 2023, b) $100 bonus deposit for opening a checking account with minimum $100 balance requirement and high-rate checking requirements (listed below) by April 30, 2023, c) $100 bonus deposit for opening a certificate account and d) $100 bonus deposit if member has a combined balance of $10,000 across all products by April 30, 2023. Customers who closed an Alliant checking and/or savings account within 180 days of applying for the new account are not eligible for this promotion.

New and Existing Members can use the promo code “FAST Pass” to apply for the promotion. New Account must be opened by applying online at myalliant.com/FASTPASS or by phone at 800-328-1935 and mentioning “Fast Pass Promotion” from January 18, 2023, through March 31, 2023. New Savings Account must have a minimum balance of $1000 by March 31, 2023 and maintain this minimum average daily balance through April 30, 2023. New Checking Account must have minimum average daily balance of $100 and qualify for High-Rate Checking by opting into eStatements and having at least one monthly electronic deposit to the checking account (direct deposits, payroll deposits, ATM deposits, mobile deposits and transfers from another financial institution all count) by April 30, 2023. All accounts must remain open and in good standing. Accounts must be opened by March 31, 2023. Accounts will be reviewed on April 30th, 2023 to determine eligibility for the bonus deposits. Only one $100 bonus per product will be provided and a maximum of $400 bonus payout will be provided if all requirements are met.

If all requirements have been met, please allow up to 4-6 weeks for the bonus deposits to post to your Alliant Savings Account. You will be responsible for any tax liability. Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts. Limit one checking, saving, and certificate account promotional offer per Alliant member. All Account applications are subject to approval. Alliant Teen Checking Accounts are not eligible for this promotion. You must apply for the Account by 11:59 p.m. CT March 31, 2023, to be eligible. All Alliant Checking Accounts come with an Alliant savings account as part of Alliant Credit Union membership. Must be age 18 or older at time of Account opening, and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien). This promotion is subject to all federal, state and local laws and regulations and governed by Illinois law. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666.

2. High-Rate Savings

The savings dividend provides an Annual Percentage Yield (APY) of 3.10%. The APY is accurate as of the 03/15/2023 dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change at any time. Dividend applies to Savings, Supplemental Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts, IRA.

APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.10% APY as of 03/16/2023 vs. the bank national average savings rate of 0.16% APY as of 03/16/2023 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

Minimum daily balance is required to earn Annual Percentage Yield (APY). Interest rates are subject to change without notice. Fees may reduce earnings. Refer to Fee Schedule for further details

3. High-Rate Checking

APY=Annual Percentage Yield. The High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 03/15/2023 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 the stated APY. 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. Alliant checking charges no monthly maintenance or service fees; however, if incurred, fees such as a stop payment will apply. Please refer to the Alliant Fee Schedule for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

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 Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. Not all ATMs accept deposits.

Fees may reduce earnings.

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 not 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.

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, and for new Alliant members that open a High-Rate Checking account by telephone (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. Certificates

APY= Annual Percentage Yield. The APY is accurate as of the 03/15/2023 dividend declaration date. A $1000.00 minimum deposit is required to open a Regular Alliant Certificate. A $75,000 minimum deposit is required to open an Alliant Jumbo Certificate. If you open an Alliant Jumbo Certificate with a minimum deposit of $75,000, but later withdraw funds from the account and bring the balance below $75,000, the Alliant Jumbo Certificate will convert to a Regular Alliant Certificate, which may pay a lower rate. You must be an Alliant member. Alliant Certificates are available as Regular Share Certificates and, Jumbo Share Certificates. Both Regular and Jumbo Certificate types are also offered as Traditional IRA Certificates, Roth IRA Certificates, and SEP IRA Certificates. In addition, prior to opening an IRA Certificate (Traditional, Roth and SEP), you must have or establish an IRA with Alliant. You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties do apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Alliant Retirement and Investment Services. If you wish to move your Certificate funds to Alliant Retirement and Investment Services, you must wait until 7 days after your Certificate has been opened. Other exceptions to early withdrawal penalties may be allowed. Monthly dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2. Any monthly withdrawals or transfers reduce earnings. If you change the term of your renewed Certificate, the beneficiary(ies) need(s) to be reestablished by completing a Beneficiary Add/Delete Form. (Not applicable to IRA Certificates). The joint owner designated at the time of Certificate opening will remain as joint owner if you renew your Certificate with Alliant. Neither the primary account owner or joint owner may be a beneficiary on the Certificate account. You are not locked into a rate until you open or renew your Alliant Certificate. Alliant Certificate rates may change daily. Fees may reduce earnings on the account.

View all certificate rates

Exclusive employee benefit

Get your year off to a solid start… Join Alliant to build savings blocks. The more you open, the more you can earn!

Your 4-step FASTPASS to $400!¹

STEP 1

STEP 2

STEP 3

STEP 4

Already an Alliant member?

Frequently Asked Questions

The Alliant difference