Advertiser Disclosure

Pros

Over 80,000 free ATMs available.
0.65% APY on High Rate Checking is well above average.
1.05% 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
1.05%
APY
$100
Min. balance for APY
Learn moreat Alliant Credit Union
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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.
Overall
Customer service
Poor
Website / app
Fair
Rates
Excellent
Fees
Low
Transfer in and Transfer Out LIMITS - RESTRICTED
High yield savings account: Transfer in funds is limited to $10k per day Transfer out funds is limited to 25% of transfer in limit ($2,500). Very scary that they restrict how much of your money you can transfer out. Not a usable savings account because of these limitations.
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