High-Rate Checking Account | Alliant Credit Union

Hey there! All of the Avocado Toast & Iced Coffee Cards have already been snatched up. You can still open an award-winning Alliant checking account (hooray!), but you won't receive an Avocado Toast & Iced Coffee card (bummer).

Alliant checking treats you better so you can treat yourself

Check out a side-by-side comparison of the competition.2


monthly service fee
$20/month ATM fee reimbursements3

$0 Overdraft Fees4

0.25% APY4 on all balances

Wells Fargo

monthly service fee
$0/month ATM fee reimbursements

$35 Non-Sufficient Funds Fees

0.00% APY on all balances

Bank of America

monthly service fee
$0/month ATM fee reimbursements

$35 Overdraft Item Fees

0.00% APY on all balances


monthly service fee
$0/month ATM fee reimbursements

$34 Insufficient Funds Fees

0.00% APY on all balances

How to Get Your $200 Avocado Toast & Iced Coffee Prepaid Card

We’ve been told that buying the little treats that give us joy is holding us back. Not true! It’s things like high overdraft fees that can make it harder to reach our financial goals.

Keep your savings goals and still spend money on those impractical yet delightful purchases you deserve with Alliant’s Avocado Toast & Iced Coffee card.

This avocado card (or, avocardo, if you will) is different than your Alliant debit card, which is connected to your checking account. This offer was limited to the first 1,500 people.1

Image of the Alliant Avocado Toast and Iced Coffee card

A whole latte checking perks

Piggy bank Icon

Keep more of your money

  • High rate of 0.25% APY4
  • No overdraft fees or non-sufficient funds (NSF) item fees4
  • 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 App5
  • Bank from anywhere using our award-winning mobile banking 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

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

Why our members love our checking account

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”

BankOn High-Rate Checking 2021-2022

“I’m in love with the interest rate on both savings and checking accounts. Also, the app is easy to work with!”

Ruth C., Alliant member

“Excellent customer service, superb online and mobile banking, extremely competitive interest rates ... I love Alliant Credit Union!”

Dina G., Alliant member

“Lots of great things to love about Alliant—the newest being no overdraft fees! I like the ease of the app, being able to transfer to my family or anyone else and mobile deposit is fantastic!”

Lynda A., Alliant member

Frequently Asked Questions

Am I eligible for Alliant membership?

Almost anyone can be eligible to join Alliant! You can be eligible to apply for membership through your employer, by where you live, or by becoming a member of Foster Care to Success, Alliant’s partner charity. (We even pay the $5 membership fee for you.)

What if I finish my application and receive a “pending” status?

Have no fear. One of our member care representatives will reach out via phone call or email within 3-4 business days to gather any additional information needed.

How do I receive an Avocado Toast & Iced Coffee Card?

The first 1,500 eligible new members to sign up for an Alliant checking account at myalliant.com/treat-yourself between now and March 31, 2022, will receive the Avocado Toast & Iced Coffee Card with $200 to spend how they’d like on brunch or other items to treat themselves to a simple pleasure. If a lucky member signs up and is approved for an account, their card will arrive by mail 14-28 days after that approval.1

What can Avocado Toast & Iced Coffee Prepaid cardholders spend the money on?

These Avocado Toast & Iced Coffee prepaid Visa cards were made for just that – avocado toast and coffee! We also know that some may be more of the everything bagel and green tea kind of folks, so we encourage those who receive a card to either spend it on the iconic green toast or the simple luxury of their choice – from boba tea and craft kombucha to CBD lotion and vintage jeans.

The prepaid card can be used at any location where Visa is accepted, whether it be their local coffee shop, a new brunch restaurant or anywhere else they like to enjoy a tasty breakfast or a different indulgence.

How long will it take for me to get the Avocado Toast & Iced Coffee prepaid card?

Alliant wants to ensure members receive their Avocado Toast & Iced Coffee Cards as soon as possible so they can start enjoying the benefits of an Alliant membership – and brunch on us! Due to nationwide shipping delays, your card may take a little extra time to arrive. Please contact us if it hasn’t arrived within 3 weeks of your membership start date.

Is the Avocado Toast & Iced Coffee Card my Alliant debit card?

No. They are two separate cards. The Avocado Toast & Iced Coffee Card is a prepaid card with $200 available. Your Alliant Visa debit card connects to the funds in your Alliant High-Rate Checking account.

Does my Alliant High-Rate Checking account have a mobile deposit limit?

Your current mobile deposit limit will appear below the amount field once you select an account in the Alliant mobile banking app. Your deposit limits can vary depending on your eligible accounts. For more information, tap the question mark icon at the top of the app screen.