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
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.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
SCAMMED FOR DONATION!
I filled out the application and when I got to the end, I was REQUIRED to make a donation in order to be given an account membership! AFTER making the REQUIRED donation, my application for an account was DENIED!!!!!! I called and requested my donation be refunded and was told that someone would get back to me! I want to see how Alliant deals with these UCC VIOLATIONS!!!!
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