High-Rate Checking Account | Alliant Credit Union

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

Saving money and time is simple with an Alliant High-Rate Checking account

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Keep more of your money

  • Competitive high-rate of 0.25% APY1
  • No overdraft fees or non-sufficient funds (NSF) item fees2
  • No monthly service fees or monthly minimum balance requirements6
  • $20/month in ATM fee rebates and 80,000+ fee-free ATMs nationwide3
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Bank on-the-go

  • Free Visa® contactless debit card
  • 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
Fraud Protection Icon

Enjoy 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

  • GoBankingRates Best Banks with No Overdraft Fees in 2021

    “Best Banks with No Overdraft Fees in 2021”

  • CNBC Best No Monthly Fee Checking Account

    “Best No Monthly Fee Checking Account”

  • Nerdwallet Best-of Awards Winner for Savings and Checking Combo

    “Best-of Awards Winner for Savings and Checking Combo”

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.


Open an Alliant High-Rate Checking Account.