Checking | Alliant Credit Union

Open the high-rate checking account that comes with a high-rate savings account, too!

Earn great rates and bank on your terms with the perfect account pairing

Paying your auto loan is easier with Alliant High-Rate Checking

By the numbers: Why Alliant is the superior option

See how Alliant High-Rate Checking stacks up against the competition.1

0.25%
APY2
on all balances
$20/month ATM fee reimbursements3

on all Alliant checking accounts
0.00%
APY
on all balances
$0/month ATM fee reimbursements

on Chase Total Checking
0.00%
APY
on balances up to $50k
$0/month ATM fee reimbursements

on Bank of America Core Checking
0.00%
APY
on balances over $500
$0/month ATM fee reimbursements

on Wells Fargo Everyday Checking
Money Icon

A checking account that comes with a savings account

  • Alliant High-Rate Checking has no monthly service fees and no minimum balance requirements
  • You automatically get an Alliant High-Rate Savings account when you open your checking account
  • Fund your Alliant savings account and opt into overdraft protection on your checking account, and we'll automatically transfer money from your savings account so you can avoid an overdraft.
  • Plus, earn 3.10% APY on all balances over $100 on your savings account4
Mobile Phone Icon

Banking on-the-go
on your terms

  • Bank from anywhere using our award-winning mobile banking app
  • Use your Alliant Visa® debit card with mobile wallets and P2P apps like Apple Pay™, Google Pay, Samsung Pay™, Zelle®, PayPal and Venmo5
  • Pay your bills easily using bill pay in Alliant online banking and mobile banking
  • Transfer money between your Alliant accounts and to/from your accounts at other financial institutions
Fraud Protection Icon

Get peace of mind
with secure banking

  • 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

How to get started

Ready to take advantage of our great rates and simplify your banking experience? Apply online, 24/7.

  1. Apply online to open your Alliant High-Rate Checking Account (you’ll need a government-issued ID and Social Security number or ITIN).
  2. Once your checking account application is approved, set up your Alliant Online Banking profile. At this time, your Alliant High-Rate Savings Account will also be ready to use, so you won't need to submit a separate application.
  3. Fund your accounts by setting up online transfers via Alliant Mobile or Online Banking. Need more tips to help you switch checking accounts? We’ve got you covered.

Need another reason to switch? Check out our awards



  • Best Checking Accounts 2018 - Nerdwallet
  • Best Checking Accounts of 2019 – MyBankTracker
  • Best High-Yield Savings Account - CNBC

    "Best High-Yield Savings Account"

Move your checking account in 3 easy steps

1 Open Alliant Checking Account

Gather Info

  • Driver’s license or other valid U.S. government-issued ID
  • Social Security Number or Individual Tax Identification Number (ITIN)
  • Basic personal and employment information

Open Account

Gather Info

  • Driver’s license or other valid U.S. government-issued ID
  • Social Security Number or Individual Tax Identification Number (ITIN)
  • Basic personal and employment information

Open Account

2 Set Up Account

Gather Payees

  • Direct deposits, scheduled transfers and automatic payments
  • Payees' addresses, account numbers and phone numbers
  • Routing numbers and bill due dates

Set Up Account

Gather Payees

  • Direct deposits, scheduled transfers and automatic payments
  • Payees' addresses, account numbers and phone numbers
  • Routing numbers and bill due dates

Set Up Account

3 Use Alliant Checking

Go Mobile

  • Download Alliant Mobile Banking app
    (Available at the App Store and Google Play)
  • Make mobile deposits
  • Manage your money from anywhere

Earn Interest

  • Sign up for eStatements
  • Make at least one electronic deposit per month into your account

Go Mobile

  • Download Alliant Mobile Banking app
    (Available at the App Store and Google Play)
  • Make mobile deposits
  • Manage your money from anywhere

Download on the App Store   Get it on Google Play

Earn Interest

  • Sign up for eStatements
  • Make at least one direct deposit per month into your account

Tips to make opening a new checking account easier, from Alliant experts

  • Switch your checking account when you have a cash cushion, such as after receiving a bonus or tax refund or if you have a three-paycheck month.
  • Open your new account 1 to 2 weeks before you plan to switch banks; this will give you time to set up all your new transfers and bill pays.
  • Don't forget all the digital platforms that use your debit card & checking account info, like digital wallets and P2P apps (like PayPal and Venmo) or online retailers.
  • Keep an eye on your old account. It could take a month or two for some vendors to start debiting your new checking account!
  • Before closing your old account, check to make sure no automatic debits are occurring. If they are, switch them to your new Alliant account.

Switch from your bank to Alliant Credit Union

Not yet an Alliant member?

It’s easy to switch from your bank to Alliant — simply apply online! If you are not eligible through another option, like your community or your employer, you can become a member of Foster Care to Success (FC2S) to become eligible for Alliant membership. FC2S serves foster teens across the U.S., awarding higher education grants and scholarships and providing care packages, mentoring and internships. (Alliant will pay a $5 membership fee to FC2S on your behalf.) Once you’re a member, you’re always a member, and membership is available to your entire family!

Benefits of Alliant Credit Union membership

What makes Alliant better than a bank? We offer lower rates on loans and higher rates on deposits, with the same convenient bank-anywhere access via Alliant Mobile or Online Banking. Plus, we offer ATM rebates up to $20 per month, so any ATM is your ATM – no bank network required!3