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Open checking account



ELEVATE YOUR CHECKING FROM ‘MEH’ TO YEAH!




ALLIANT HIGH-RATE DIGITAL CHECKING





ALL THE BENEFITS OF BIG-BANK CHECKING, 


PLUS UNEXPECTED PERKS FROM AN AWARD-WINNING CREDIT UNION.









KEEP MORE OF YOUR MONEY


BANK ON-THE-GO


ENJOY PEACE OF MIND

 * $20/month in ATM fee rebates¹
 * Competitive high rate of 0.25% APY²
 * No overdraft fees or non-sufficient funds (NSF) item fees³
 * No monthly service fees or monthly minimum balance requirements⁴



 * Award-winning mobile app with anywhere, anytime mobile check deposit
 * 80,000+ fee-fee ATMs nationwide¹
 * Free Visa contactless debit card
 * Accessible with Apple Pay™, Google Pay, Samsung Pay™, PayPal, Venmo and Cash
   App and other mobile wallets and P2P apps⁵



 * 24/7 state-of-the-art fraud monitoring and real-time fraud text alerts to
   approve or stop suspicious transactions
 * Free transaction alerts for worry-free account monitoring
 * NCUA insured up to $250,000



Open checking account


SAVE A BUNDLE WITH A WINNING COMBINATION



EVERY MONEY-SAVVY SUPERHERO NEEDS A GREAT SAVINGS SIDEKICK.


ALL ALLIANT CHECKING ACCOUNTS COME WITH A HIGH-RATE SAVINGS ACCOUNT

We've paired every checking account with a savings account. You can park your
money there and just watch it grow with a rate 15x the industry average at 3.10%
APY.

6,7




ENVELOPES ARE SO '80S

Welcome to the future of digital budgeting, where you can name each account
after what you're saving for. Create up to 19 personalized savings accounts.







NO TRICKY TIERS

Here's the deal. Whether you have $100 or $100K in savings, you’ll be earning
the best rate we have.




NO SNEAKY FEES

You guessed it: Just like your checking account, the savings account has no
minimum balance or monthly service fees when you elect eStatements.²



Open checking account


HAVE YOU HEARD OUR STORY YET?


(WE CALL IT THE ALLIANT DIFFERENCE.)


Alliant is one of the largest credit unions in the U.S. with more than 85 years
of experience and 850,000+ members nationwide. We're 100% digital and we're
not-for-profit, so you'll earn more on your money with high savings and checking
rates, low loan rates, rich credit card rewards and fewer fees. 




FEEL THE LOVE FOR OUR MOBILE APP

“Best bank and best app”

I am very pleased with Alliant and its app. It’s my primary bank now.

★★★★★
NS, App Store Review

“Amazing user experience”

This is one of the best bank or financial apps I’ve used. The banking experience
is great, the customer service is above average and the app is intuitive and
doesn’t have bugs. Just works.

★★★★★
WH, App Store Review

“Great App – Thank You!!!”

Thank you listening to your members and updating the mobile check deposit
function. I’ll be doing more business with Alliant now.

★★★★★
WP, App Store Review

“Best bank and best app”

I am very pleased with Alliant and its app. It’s my primary bank now.

★★★★★
NS, App Store Review

“Amazing user experience”

This is one of the best bank or financial apps I’ve used. The banking experience
is great, the customer service is above average and the app is intuitive and
doesn’t have bugs. Just works.

★★★★★
WH, App Store Review




1. Transactions performed at other ATMs may be subject to the ATM owner’s
surcharge fee. Please see the online ATM Locator at www.alliantcreditunion.com
or our mobile banking app for a list of ATMs that accept deposits or are
surcharge-free. Not all ATMs accept deposits.




Alliant will rebate ATM fees up to $20 per month per membership account when you
use your Alliant Visa Debit Card to make a deposit, withdrawal, transfer or
balance inquiry. The rebate does not apply to cash advances from Alliant Visa
credit cards through ATMs nor 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.











2. APY=Annual Percentage Yield. The High Rate Checking dividend provides an
Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the
10/24/2024 dividend declaration date. Checking dividend may change after account
is opened and is subject to change at any time. There is no minimum balance
requirement to earn the stated APY. Checking Dividends are paid on the last day
of each month to checking accountholders who have opted out of receiving paper
statements (receive eStatements only) and have a recurring monthly electronic
deposit to their Alliant checking account each month (e.g., a direct deposit,
payroll deposit, ATM deposit, mobile check deposit or transfer from another
financial institution). Otherwise, Alliant checking accounts do not earn a
dividend. Alliant checking charges no monthly maintenance or service fees;
however, if incurred, other fees may reduce earnings on the account. Please
refer to the Alliant Fee Schedule for a list of these types of fees. Account is
subject to approval. We may not open checking for you if you do not meet Alliant
criteria.











3. Overdraft protection is optional. You must opt in to benefit from this free
service and you can unenroll at any time. Alliant's overdraft protection program
honors your overdrafts on your checking account when you don’t have enough money
in your Alliant checking account to cover a transaction, provided you have
enough money in your Alliant Savings or Supplemental Savings Account. To do so,
we automatically transfer funds from your Alliant Savings or Supplemental
Savings Account to your Alliant checking account to cover your overdrafts.
Overdraft protection does not cover ATM transactions.




Courtesy Pay is a discretionary "courtesy" overdraft service. There is no fee to
enroll in or use the Courtesy Pay service and you can unenroll at any time. To
be eligible for Courtesy Pay, members must be in good standing and have an
Alliant checking account that has been open for at least six months. Other
eligibility factors are risk-based and determined by Alliant using internal and
confidential information, including your account history. To qualify to use
Courtesy Pay, eligible members must have qualifying deposits totaling at least
$600 into their Alliant checking account in the previous 30 days. Standard
Courtesy Pay may pay checks and ACH electronic items that would not have not
cleared otherwise due to insufficient funds, up to an approved limit. The full
amount of the overdraft balance will be due immediately but in no event more
than 30 days from the date of the occurrence at which time Courtesy Pay
privileges will be suspended and possibly terminated. If you opt in for extended
coverage, Courtesy Pay may also cover everyday debit transactions on your
Alliant Visa debit card that would not have cleared otherwise due to
insufficient funds, up to an approved limit. See the Alliant Account Agreement
and Disclosures and the Courtesy Pay Disclosure for details and the Fee Schedule
for a list of fees. Courtesy Pay does not cover ATM transactions.













4. There is no minimum balance requirement to maintain a High-Rate Checking
account. However, there is a minimum opening deposit requirement of $25 for new
and existing Alliant members that open a High-Rate Checking account online via
open.alliantcreditunion.com, and for new Alliant members that open a High-Rate
Checking account by telephone (see the Truth-in-Savings Disclosure Chart in the
Account Agreement and Disclosures for more information regarding minimum opening
deposit requirements). Any funds that are deposited at account opening to
satisfy a minimum opening deposit requirement may be withdrawn at any time.
High-Rate Checking accounts that are opened via a paper application, online
banking, or in connection with obtaining an Alliant loan (whether originated
directly by Alliant or through an indirect lending channel) do not have a
minimum opening deposit requirement.













5. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in
the U.S. and other countries. Apple Pay is a trademark of Apple Inc; Google Pay
is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics
Co., LTD.













6. The savings dividend provides an Annual Percentage Yield (APY) of 3.10%. The
APY is accurate as of the 10/24/2024 dividend declaration date. Dividends are
paid on the last day of the month to accountholders who have maintained an
average daily balance of $100 or more. Savings dividend may change after account
is opened and is subject to change at any time. Dividend applies to Savings,
Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial
Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.











7. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.10%
APY as of the 10/24/2024 dividend declaration date vs. the bank national average
savings rate of .21% APY as of 5/1/2024 sourced from National Association of
Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.











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