APY
0.25%
As of Nov 8, 2026. Rates are variable.
Alliant · Checking account
Alliant High-Rate Checking
$0 a year for an everyday customer. No monthly fee.
- A year, everyday customer
- $0
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · alliantcreditunion.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · alliantcreditunion.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Not stated
Against the market
How it ranks
#185of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Cash deposit ATM
- Contactless card
- Debit card
- Early direct deposit
- Interest bearing
- Mobile check deposit
- Mobile wallet
- No minimum balance
- No overdraft fees
- Spending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- To earn the APY
- opt in to receive eStatements
- have at least one monthly electronic deposit
- APY when those aren’t met
- 0.00%alliantcreditunion.org, checked Nov 8, 2026
Fees
- Monthly fee
- Nonealliantcreditunion.org, checked Nov 8, 2026
- Overdraft fee
- Nonealliantcreditunion.org, checked Nov 8, 2026
- Returned item (NSF) fee
- Nonealliantcreditunion.org, checked Nov 8, 2026
- ATM network
- 80,000+ fee-free ATMsalliantcreditunion.org, checked Nov 8, 2026
- ATMs in the network
- 80,000alliantcreditunion.org, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonealliantcreditunion.org, checked Nov 8, 2026
- ATM fees refunded, up to
- $20 a monthalliantcreditunion.org, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1%alliantcreditunion.org, checked Nov 8, 2026
- Stop payment
- Nonealliantcreditunion.org, checked Nov 8, 2026
- Card replacement
- Nonealliantcreditunion.org, checked Nov 8, 2026
Who can open it
- Membership
- Membership required:
- Living or working in any of the following communities in Illinois: Arlington Heights, Bensenville, Des Plaines, Elk Grove Village, Elmhurst, Franklin Park, Harwood Heights, Itasca, Mount Prospect, Niles, Norridge, NorthLake, O'Hare International Airport, Park Ridge, Prospect Heights, River Grove, Rolling Meadows, Rosemont, Schiller Park, or Wood Dale.
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees