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  Alliant Credit Union High Interest Checking

Alliant Credit Union High Interest Checking

in Checking Accounts from Alliant Credit Union · ncua

Unaffiliated

Alliant Credit Union High Interest Checking

Unaffiliated

in Checking Accounts from Alliant Credit Union · Insured by NCUA

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.25%

Alliant Credit Union High Interest Checking Review

Alliant Credit Union High Interest Checking is offered by Alliant Credit Union, a credit union founded in 1935 and based in Chicago, IL. Alliant Credit Union High Interest Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. Alliant Credit Union High Interest Checking has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. Alliant Credit Union High Interest Checking does not charge fees on ATM transactions.
  • Up to $20 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Alliant Credit Union.
Alliant Credit Union checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Does not provide access to a nationwide ATM network.
  • Higher than average wire transfer fees.
Alliant Credit Union checking account FAQ

Are checking accounts from Alliant Credit Union federally insured?

Yes, your Alliant Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Alliant Credit Union checking account offer?

Alliant Credit Union High Interest Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.25%

Alliant Credit Union checking account offers an APY of 0.25% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Alliant Credit Union checking account?

Alliant Credit Union checking account requires a minimum initial deposit of $1 to open an account.

Alliant Credit Union High Interest Checking Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Alliant Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

Alliant Credit Union High Interest Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $20
Check Cashing Fee $5
Check Copy $5
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $25
Online Bill Pay Fee $0
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $28
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $0

Does Alliant Credit Union checking account charge overdraft fees?

Yes, Alliant Credit Union checking account charges a $25 fee for every overdraft.

Alliant Credit Union checking account offers overdraft protection at a cost of $28 per transaction.

What features and perks does Alliant Credit Union checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $20.
  • Fraud monitoring - Alliant Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Alliant Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Alliant Credit Union checking account?

The customer support email for Alliant Credit Union checking account is chicu@alliantcreditunion.com.

How do people rate the customer service and user experience of Alliant Credit Union checking account?

Overall, Alliant Credit Union checking account is strongly recommended based on community reviews that rate customer service and user experience.

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Message From Alliant Credit Union High Interest Checking

High-interest checking account with no overdraft fees. Manage your money on the go without the hassle of sneaky fees or ATM scavenger hunts. Wave goodbye to overdraft, monthly service and minimum balance fees.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $20
Check Cashing Fee $5
Check Copy $5
NSF Fee $25
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $28
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $50
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.25%

Alliant Credit Union High Interest Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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