• $20/month in ATM fee rebates¹
• Competitive high rate of 0.25% APY²
• No overdraft fees or non-sufficient funds (NSF) item fees³
• No monthly service fees or monthly minimum balance requirements⁴

• Award-winning mobile app with anywhere, anytime mobile check deposit
• 80,000+ fee-fee ATMs nationwide¹
• Free Visa contactless debit card
• Accessible with Apple Pay™, Google Pay, Samsung Pay™, PayPal, Venmo and Cash App and other mobile wallets and P2P apps⁵

• 24/7 state-of-the-art fraud monitoring and real-time fraud text alerts to approve or stop suspicious transactions
• Free transaction alerts for worry-free account monitoring
• NCUA insured up to $250,000

We've paired every checking account with a savings account. You can park your money there and just watch it grow with a rate 15x the industry average at 3.10% APY.

6,7

Welcome to the future of digital budgeting, where you can name each account after what you're saving for. Create up to 19 personalized savings accounts.

Here's the deal. Whether you have $100 or $100K in savings, you’ll be earning the best rate we have.

You guessed it: Just like your checking account, the savings account has no minimum balance or monthly service fees when you elect eStatements.²

Alliant is one of the largest credit unions in the U.S. with more than 85 years of experience and 850,000+ members nationwide. We're 100% digital and we're not-for-profit, so you'll earn more on your money with high savings and checking rates, low loan rates, rich credit card rewards and fewer fees. 

1. 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. Not all ATMs accept deposits.

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.

2. 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 11/20/2024 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, other fees may reduce earnings on the account. 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.

3. 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.

4. 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.

5. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc; Google Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD.

6. The savings dividend provides an Annual Percentage Yield (APY) of 3.10%. The APY is accurate as of the 11/20/2024 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, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.

7. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.10% APY as of the 11/20/2024 dividend declaration date vs. the bank national average savings rate of .21% APY as of 5/1/2024 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

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