High-Rate Checking Account | Alliant Credit Union

Say goodbye to overdraft fees and hello to ATM fee rebates!

High-rate checking that’s packed with perks

Money Icon

Keep more of your money

  • High-rate of 0.25% APY1
  • No overdraft fees or non-sufficient funds (NSF) item fees2
  • No monthly service fees or minimum balance requirements
  • 80,000+ fee-free ATMs and $20/month in ATM fee rebates3
Mobile Phone Icon

Bank on-the-go

  • Use mobile wallets and P2P apps like Apple Pay™, Google Pay, Samsung Pay™, PayPal, Venmo and Cash App4
  • Bank from anywhere using our award-winning mobile app
  • Pay your bills easily using bill pay in our online and mobile banking
  • Transfer money between your Alliant accounts and your accounts at other financial institutions
Fraud Protection Icon

Get peace of mind

  • Feel secure with 24/7 state-of-the-art fraud monitoring and real-time fraud text alerts to approve or stop suspicious transactions
  • Monitor your accounts with free transaction alerts
  • NCUA insured up to $250,000

By the numbers: Why Alliant is the superior option

See how Alliant High-Rate Checking stacks up against the competition.


0.25 %
on all balances
$20/month ATM fee rebates

$0 Overdraft Fees


0.00 %
on all balances
$0/month ATM fee rebates

$34 Insufficient Funds Fees

Bank of America

0.00 %
on balances up to $50k
$0/month ATM fee rebates

Wells Fargo

0.00 %
on balances over $500
$0/month ATM fee rebates

$35 Non-Sufficient Funds Fees

You deserve an award-winning financial partner

  • MyBankTracker Best Checking Accounts 2020
  • CNBC Best Credit Unions 2020"Best Credit Unions 2020"
  • Best Credit Unions of 2020 - GoBankingRates

To open an Alliant High-Rate Checking Account, you'll need to apply for an Alliant membership too. There are no membership fees — just the perks of higher deposit rates and competitive loan rates. Click "Open Checking" and see how you’re eligible.

Bank on your terms with an Alliant Checking Account


Open an Alliant High-Rate Checking Account.