Alliant Credit Union Overview
Alliant Credit Union’s High‑Rate Checking Account is a solid option for those seeking a fee-free, fully digital banking experience. With 0.25% APY, no monthly service or overdraft fees, and $20/month in ATM rebates, it combines convenience, savings, and security. Customers can enjoy 24/7 access, mobile check deposits, and digital money management — ideal for modern lifestyles.
Pros & Cons
Pros
- Earn 0.25% APY with eStatements & deposit1
- No monthly service or overdraft fees
- $20/month in ATM fee rebates
- Award-winning mobile banking experience
Cons
Alliant Credit Union at a Glance
Feature | Status |
Fees | $0 monthly, $0 overdraft, $0 minimum balance |
Security | NCUA insured, fraud alerts, 2FA, biometric login |
Online Experience | Full digital banking, bill pay, P2P transfers, external linking |
Mobile App | iOS & Android, mobile check deposit, debit lock, alerts |
Customer Support | Live chat, secure messaging, extended phone hours (Mon–Sat) |
Suitable For?
Alliant’s High‑Rate Checking Account is well-suited for:
- Users seeking a fee-free, online-only account
- People looking to earn interest on checking
- Those who want to avoid ATM fees with monthly rebates
- Digital-first consumers needing mobile banking tools
Features & Highlights
Advantages Over Traditional Banks
Alliant offers one of the few checking accounts that earns dividends while charging no monthly service fees, no overdraft fees, and no minimum balance. It eliminates common banking charges and replaces them with features that reward digital habits.
Cutting-Edge Banking Services
You get fast, user-friendly access to:
- Bill pay
- Transfers
- eStatements
- Mobile check deposit
- External account linking
- Early Payday (ACH direct deposits up to 2 days early — not guaranteed)
- Real-time account alerts
Traditional Banking Services
Alliant delivers essential banking features, including:
- Free box of standard checks
- Visa® contactless debit card
- ATM network access
- Optional overdraft protection and Courtesy Pay (eligibility-based)
- NCUA insurance up to $250,000
Interest Rates and Fees
Account Type | APY |
APY | Checking Account - 0.25% (w/ eStatements + deposit) High-Rate Savings Account - 3.01% |
Minimum to Earn APY | $0 |
ATM Fee Rebate | Up to $20/month |
Monthly Maintenance Fee | $0 |
Overdraft Fee | $0 (if opted into free protection) |
Opening Deposit | $25 online or by phone (some cases $0) |
Rates may vary and are subject to change. All interest is compounded daily and paid monthly. Earnings may be reduced by fees.
Customer Service and Online Experience
Users have access to live chat, email, and secure message center. Support is available Monday–Saturday, with extended hours. The website is easy to navigate, offers clear account disclosures, and guides you through setup efficiently.
Mobile App
Available on iOS and Android, the Alliant app provides:
- Check deposit
- Real-time balance alerts
- Card controls and lock
- Fund transfers
- Mobile wallet compatibility (Apple, Google, Samsung, PayPal, Venmo)
Security
Security is robust, including:
- NCUA deposit insurance
- 2FA and biometric login
- Real-time fraud alerts
- Visa® Zero Liability protection
- Encrypted mobile transactions
Application Process
How to Apply
- Sign up online via secure portal
- $5 automatically deposited into required savings
- $25 opening deposit for High‑Rate Checking
- Opt into eStatements
- Set up monthly electronic deposit (ACH, ATM, mobile, external)
- Receive Visa debit card
No credit check is required. Membership is open to anyone via Alliant Foundation sponsorship.
Alliant Credit Union Summary
Alliant Credit Union delivers modern checking with real value — offering dividends, zero fees, and tech-friendly banking tools. For those who don’t need branch access but value strong service, ATM flexibility, and mobile access, it’s a dependable and rewarding option.
Physical Address
Alliant Credit Union
11545 W. Touhy Avenue
Chicago, IL 60666
USA
Disclaimer
1. The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 1/22/2026 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.
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. 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.
AI was used in the creation of this content, along with human validation and proofreading.
