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Alliant Credit Union Checking Accounts Review

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Founded in 1935, Alliant is a credit union established by a small group of United Airlines employees with a vision of providing loans at fair rates. Today, Alliant has over 385,000 members and an estimated $10 billion in assets. Alliant provides its members with online and mobile banking, investment and retirement services, and loans.
 
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How is Alliant Credit Union rated?

Breakdown

4.8/5
Account Features
4.2/5
Fees and Restrictions
4.8/5
Support, Reputation, and Financials

Overall Rating: 4.6 / 5 (Excellent)

Alliant Credit Union checking accounts are flexible and cater to the need of the users. Alliant requires no minimum deposit, monthly service fee, or minimum monthly deposit. Accounts can be synced with digital wallets, such as Google Pay, to pay bills online, as well as to savings accounts as overdraft protection. Alliant received an excellent rating from the Better Business Bureau, and although they have had a few complaints online, the company has managed to resolve a large percentage of them. To open an account with Alliant, individuals must meet a few simple requirements: be a relative of an existing member, be an employee or member of select organizations, or support Alliant's partner charity. Lastly, Alliant's Mobile Banking App enables users to have complete management of their accounts via smartphone, in which they can view balances, transfer money, locate ATMs, pay bills, and more.

Alliant Credit Union Account Features

Account Features - 4.8 / 5

Alliant offers three different checking accounts: High Rate (which includes APY), Free (regular), and Free Teen (for minors). All offer overdraft protection and enable users to sync digital wallets, such as Apple Pay, with their account. Users can also connect their checking to savings, which is applied as overdraft protection if chosen. Alliant also has over 80,000 ATMs and 11 branch locations for members to perform transactions. ATM fee reimbursements are given if the ATM is out of network.
Types of Checking Accounts
Free Checking Accounts
Student Checking Accounts
Interest Bearing Checking Accounts
Methods of Deposits
ATM Deposit
Mobile Check Deposit
Integration with Other Online Accounts
Savings
Loan Accounts
No-Fee ATM
No-Fee at Network ATMs
Reimbursement for Domestic ATMs
ATM Locations
There are over 80,000 Alliant Credit Union ATMs nationwide.
Branch Offices
Alliant Credit Union has 11 branch locations in California, Colorado, Illinois, Texas, and Virginia.

Interest (APY)

0.65% (only with High Rate checking account)

Overdraft Protection

Alliant Credit Union's overdraft protection option allows free transfer from savings accounts into the insufficient checking account. Members can also opt for Alliant's Courtesy Pay, which charges $28 per item covered while account has insufficient funds.
Integration with Mobile Payment Services
Apple Pay
Google Pay
SamsungPay
Pay Bills Online
Yes
EMV Chip Technology
Yes
Bank Checks
Yes
Mobile App
Yes

Bonus Features

Alliant's Mobile Banking App allows members to managing the checking account on the go, locate ATMs, transfer money, pay monthly bills, and more.

Alliant Credit Union Fees and Restrictions

Fees and Restrictions - 4.2 / 5

Alliant Credit Union offers members fee-free checking accounts, requiring no service fees or minimum balances. First order checks and debit card are free with the account, and fees are only charged for insufficient funds, reordering checks, and to stop online payments.
Maintenance Fee
$0
Minimum Balance
$0
Minimum Monthly Deposit
$0
Minimum Number of Transactions
withdrawal of up to $1000 daily
Maximum Number of Insufficient Funds Fees Per Day
not specified; $25 per item
Other Fees
Check Reorder Fee
Stop Payment Fee
Insufficient Funds Fee

Alliant Credit Union Support, Reputation, and Financials

Support, Reputation, and Financials - 4.8 / 5

Alliant Credit Union does not have many online complaints and received an A+ rating from the Better Business Bureau for resolving a large percentage of them. Alliant is also insured by the National Credit Union Administration (NCUA) up to $250,000 and members can receive customer support 24/7.
BBB Rating
A+
BBB Total Complaints
30
BBB Resolved Complaints
6
Date Collected
2004-04-01
Year Founded
1935
Live Help 24/7
Yes
Customer Support Hours
24/7

Contact Methods

  • Phone
  • Email

Company Profile

Full Name
Alliant Credit Union Checking Accounts
Company Website
http://www.alliantcreditunion.org/
Headquarters
11545 West Touhy Avenue, Chicago, IL, 60666

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