High-Rate Checking account with no overdraft fees
Find money management rewarding with our low-effort, high-yield account
High-Rate Checking Account Features
Wave goodbye to sneaky fees
With no monthly service fees, no overdraft fees and no monthly minimum balance, you’ll avoid the annoying fees that big banks love, plus earn 0.25% APY interest.19,104
Say hello to $20 a month ATM rebates
Don’t worry when you must make a transaction outside of our already-extensive network of 80,000+ fee-free ATMs: Alliant will deposit up to $20 in ATM fee rebates to your account each month. 59
Enjoy Early Payday
Reduce the time to receive your paycheck or Social Security check by up to two days. Enjoy peace of mind with early access to your money, automatically active on eligible direct deposits.110
More wins, less worry when you bank with Alliant
Welcome to wow
Anyone can apply to become an Alliant member. That’s different, but so is Alliant—a digital credit union that wows its members, rewarding them with high savings rates, low fees and much-demanded features like Early Payday.
Earn dividends
Generate 0.25% APY interest on your Alliant High-Rate Checking account balance when you opt in to receive eStatements and have at least one monthly electronic deposit.61
Save a bundle with high-rate savings pairing
Watch your money grow at a rate 15x the industry average in the Alliant High-Rate Savings Account that comes with your Alliant High-Rate Checking account.71
$0 liability on fraudulent charges
With the Visa $0 fraud liability feature, you’ll never pay for unauthorized charges on your debit card.37
24/7 state-of-the-art fraud monitoring
Receive alerts via text message, email or mobile app to keep you informed when there's unusual account activity.
NCUA insured
Rest easy knowing the funds in your Alliant deposit accounts are federally insured up to $250,000.
On-the-go money management from the go-to digital credit union
Imagine! A checking account that goes with and guides you. With 24/7 access to your money thanks to our intuitive, award-winning digital experience, you’ll tear through your to-do list in no time.
- Tap to pay with a free Visa® contactless debit card.
- Move money from accounts outside Alliant effortlessly.
- Deposit checks anytime, from virtually anywhere, with the Alliant mobile app.
- Accessible with Apple Pay™, Google Pay, Samsung Pay™, PayPal, Venmo and Cash App and other mobile wallets and P2P apps.
- With our fee-free ATM locator, no need to plan an extra trip, we’re already on your route.59
- Add Alliant debit card to your smartphone’s mobile wallet with just a tap.
Only have a minute?
See how digital innovations and a high-rate account can help you keep more of your money.
Articles and Resources
Account rate
| Account Type | APY | Dividend Rate |
|---|---|---|
| High-Rate Checking | 0.25% | 0.25% |
| Type | Amount |
|---|---|
| Replace Lost Card (Debit or Savings ATM Card) | Free |
| Non-Sufficient Fund (NSF) Item | Free |
| Courtesy Pay Fee | Free |
| ACH initiated via Alliant Online Banking | Free |
| First Box of Checks When Opening New Checking Account (Ordered within the first 12 months) | Free |
| ATM Transaction | Free |
| Stop Payment | Free |
FAQs
Does Alliant High-Rate Checking pay a dividend?
Alliant High-Rate Checking pays a monthly dividend — as long as you meet the easy requirements of having eStatements and at least one electronic deposit per month. If you do not meet the requirements for any month, your account will not receive a dividend for that month. Checking dividends are paid on the last day of each month. The checking dividend is subject to change at any time.
Will I get a Visa debit card with my Alliant checking account?
Yes. You will receive a free Visa® contactless debit card that you can use for purchases, and for withdrawals or deposits at ATMs (deposits not accepted at all ATMs). It typically takes 14-21 days to receive your Alliant Visa debit card by mail.
What types of transactions are eligible for ATM fee rebates?
Deposits, withdrawals (including international withdrawals!), transfers, or balance inquiries made using an Alliant Checking or Teen Checking debit card are eligible for our ATM fee rebate, up to $20/month. International withdrawals will still have a 1% Visa foreign transaction fee. This rebate does not apply to cash advances from Alliant Visa® credit cards through ATMs or 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.
Are there any fees with an Alliant checking account?
An Alliant checking account has no monthly maintenance fees, no overdraft fees,19 no monthly minimum balance requirement104 and no maximum balance limit.
How does the “Tap to Add Card” feature work for Alliant Visa debit cards?
Alliant has made adding your debit card to your Apple digital wallet even easier with the tap to add card feature. This feature allows you to add your card to your digital wallet without the use of a key entry or your phone’s camera.
To use this feature, follow the following steps:
Step 1: In your digital wallet, select the “Add Card” option.
Step 2: In your wallet, you will be provided with the option to tap card. To do this, hold your card to the back of your phone.
Step 3: Accept the Terms and Conditions.
Step 4: A screen will pop up confirming you added your card and that it is ready to use.
Note: This feature is generally available with Apple Wallet as part of the iOS 18 release.