Advertiser Disclosure

Pros

Over 80,000 free ATMs available.
0.65% APY on High Rate Checking is well above average.
1.11% APY on savings, about the best you'll find.

Cons

$25 overdraft fee; no limit on number of daily charges.
Doesn't participate in shared branching.

Overall

4.5

Credit unions tend to offer better interest rates than banks do, but they can also have more narrow membership requirements and less polished technology. Enter Alliant Credit Union, which combines the best of both worlds by offering broad membership criteria, stellar rates and a good tech experience.

Ratings methodology | Reviewed Jan. 31, 2017

Checking

5.0

Alliant offers free, teen and high-rate checking accounts, none of which charge a monthly fee. You can qualify for high-rate checking's strong rate by enrolling in free e-statements and receiving at least one electronic deposit per month.

Free High-Rate Checking
0.65%
APY
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Alliant Credit Union
High-Rate Savings
1.11%
APY
$100
Min. balance for APY
Learn moreat Alliant Credit Union
NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
What a pain to work with!
We took out a loan with Alliant for our travel trailer. They won't let me pay pay directly from my checking account which I find odd. I pay all of my other bills that way. They wanted me to open a checking account with them but I didn't want to do that so we had to open an savings account with Alliant, transfer money from my checking with Bank of America into my savings at Alliant every month for my loan payment. Then I have to watch my Alliant account until it shows the transfer has processed, then transfer it from that savings into my loan payment. Really? So I've been doing that every month on time. Today I had an issue and needed to see if I could make a payment a little late (4 days past their 10 grace period). Nope! They said there's nothing they can do. That's understanding. I'll remember that for other loans or checking/savings accounts in the future.
Overall
Customer service
Poor
Website / app
Poor
Rates
Good
Fees
Low
Super slow - Bad Customer Service
SLOW. Signed up for Credit Card. Was with underwriting for almost 2 weeks with no follow-up from them. Took multiple calls to move along. After a month still don't have access to online account because I have not received my member # and they refuse to release over the phone even though they verified my ID with everything from my SSN, to my address, mothers maiden name, etc, etc. After 4 calls to customer service and repeated assuarances of getting member ID, still don't have it. Will probably close account soon.
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