Pros

Over 80,000 free ATMs
0.65% APY on High Rate Checking is well above average.
1.45% APY on savings, among the best rates you'll find

Cons

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

Overall

4.5

Many credit unions offer better interest rates than banks do, but they also may have narrow membership requirements and less polished technology. But Alliant Credit Union combines the best of both worlds with broad membership criteria, great rates and a good tech experience.

Ratings methodology | Updated Aug. 24, 2017

Checking

5.0

Alliant offers free, teen and high-rate checking accounts, none of which charges a monthly fee. Qualify for High-Rate Checking's strong APY by enrolling in free e-statements and receiving at least one electronic deposit per month — and you’ll receive the great rate, plus up to $20 per month in reimbursements for out-of-network ATM fees.

Free High-Rate Checking
0.65%
APY
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Alliant Credit Union
High-Rate Savings
1.45%
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
total scam
I applied for the 3% cash back card. I have high income and excellent credit that I read is needed to be approved. After a hard pull on my credit and requiring copies of my last 2 years of tax returns, they tell me on the phone I'm approved for a $15k limit. Then a few days later they tell me I'm only getting a $5k limit instead. A few days after that they tell me they can't proceed unless I can show them more income. This is clearly a bait and switch scam. Stay away from Alliant!
Overall
Customer service
Good
Website / app
Good
Rates
Excellent
Fees
Low
Great bank
I could not be happier choosing Alliant after leaving my 10 year hate-hate relationship with Wells Fargo. I love that the app will show you a quick snapshot of your accounts without having to log in and that I can set up my fingerprint for when I do need to access the details. The check depositing feature is more user friendly than Wells Fargo's, in my opinion (easier to get an "acceptable" shot). The website is as expected with bill pay, overdraft protection and ability to transfer internally and externally to Alliant. My interest rate is 1.45% on my savings accounts and .65% on my checking (yes, interest on my checking!) I've no issues finding ATMs that are "fee free" and the reimbursement of the other banks fees is instantaneous. Overall the only downside to not having any local branches was when I needed a cashier's check for my mortgage closing. Since I didn't know the exact amount until a day beforehand, I had to pay an $18 fee to have the check overnighted to me. Considering how infrequently I need a cashier's check, I don't consider this an issue. I'm a happy customer!
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