Pros

Over 80,000 free ATMs
0.65% APY on High Rate Checking is well above average.
1.30% 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
1.30%
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
Excellent
Website / app
Good
Rates
Excellent
Fees
Fair
Loooove Alliant!
I've been banking with Alliant since February and I love it. I was getting screwed by Wells Fargo and our local credit union was "meh". I've made a good chunk off of interest from my accounts. The platform is easy to use and the customer service is great in my experience. I researched a lot of online banks and decided to go with Alliant in the end. Really glad I switched. One of my favorite features is being able to open up to 19 supplemental savings accounts. Makes it easy to separate expenses, such as rent, utilities, student loans, groceries, vacation etc. Would highly recommend that everyone give Alliant a try.
Overall
Customer service
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
GREAT EXPERIENCE
THE BAD REVIEWS ARE RIDICULOUS. YOUR BANKING EXPERIENCE IS WHAT YOU MAKE OF IT. OF COURSE THEY WILL NEED TO VERIFY YOUR ID. READ UP ON THE PATRIOT ACT. OF COURSE THEY CHARGE NSF FEES. YOU ARE THE ONE WHO OVERSPENT AND IT IS NOT THEIR JOB TO FREELY LEND YOU MONEY BECAUSE YOU CAN'T TRACK YOUR OWN ACCOUNT BALANCE. AND $25 PER IS LESS THAN THE AVERAGE OF $32-$35 NSF FEE AT OTHER BANKS. OF COURSE YOU HAVE TO QUALIFY FOR A CHECKING ACCOUNT. IF YOU HAVE A CLOSURE WITH FUNDS OWED TO ANOTHER BANK, WHY WOULD THEY RISK THIS HAPPENING WITH THEM? OF COURSE YOU HAVE TO QUALIFY FOR A CREDIT CARD. THOSE FUNDS ARE UNSECURED. HOW MANY PEOPLE DO YOU KNOW THAT YOU WOULD GIVE 10K TO UNSECURED AND TRUST THEM TO PAY IT BACK? DAILY XFER LIMITS PROTECT YOU AND THE INSTITUTION. EVERYONE COMPLAINING ABOUT XFER LIMITS, ID VERIFICATION ETC ARE THE FIRST PEOPLE WHO WOULD BE YELLING FRAUD IF ALLIANT ALLOWED BANKING AS THESE MEMBERS WOULD HAVE IT. YOU WOULD THINK WITH ALL OF THE FRAUD OUT THERE THESE PEOPLE WOULD FIGURE IT OUT. NOPE. I HAVE HAD NOTHING BUT A POSITIVE EXPERIENCE. OPENED SEVERAL JOINT ACCOUNTS WITH MY KIDS. I WAS ELIGIBLE TO JOIN WITH A DONATION TO AN ORGANIZATION, WHICH MAE ME A MEMBER OF SAID ORGANIZATION, AND THEREFORE ELIGIBLE TO BANK WITH ALLIANT. BUT ALLIANT MADE MY OPENING DEPOSITS FOR ME. SO I DONATED $10 AND ALLIANT GAVE ME $15 (OPENED 3 ACCOUNTS). I SET UP THE XFERS TO HAPPEN OVER A FEW DAYS DUE TO DAILY LIMITS, NO BIGGIE. I SET UP RECURRING XFERS TO MY ALLIANT ACCOUNTS. NO BIGGIE. I USE THE APP AND CAN SEE ALL ACCOUNTS I AM JOINT ON, NOT JUST MY OWN, WHICH IS AWESOME. AND MY SAVINGS INTEREST RATE HAS GONE UP TWICE SINCE OPENING. THAT HAS NOT HAPPENED AT ANY OTHER BANK I HAVE EVER BANKED WITH. AND WHEN I HAVE CALLED CUSTOMER SERVICE, THEY HAVE ALWAYS BEEN PLEASANT AND COURTEOUS. DON'T EXPECT TO GET SUGAR IF YOU ARE HANDING OUT MANURE.
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