in Checking Accounts from Alliant Credit Union · ncua

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Alliant Credit Union High Interest Checking

Unaffiliated

in Checking Accounts from Alliant Credit Union · Insured by NCUA

Net Recommendation Score +100

2 users recommend

0 users are unsure

0 users don't recommend

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Highlights
Community Rating	Rating not yet determined
Cashback Rewards	N/A
APY (Annual Percentage Yield)	0.25%
Monthly Fee	$0
Minimum Balance to Avoid Monthly Fee	Starting at $0

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 rebates. 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.	No signup bonus. 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 rebates - 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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