Personal Checking

INTRODUCING MOMENTUM

We’re excited to introduce our three new checking account options designed to help your money work harder for you.

Momentum Earn

Tiered Interest Rate Based on Daily Balance:

Tier 1: Up to $15,000 = 3.00% APY^a
Tier 2: Greater than $15,000 = 0.25% APY^a
Minimum Daily Balance to earn interest: $500^b

Perks for Total Deposit Relationship:

Average Combined Monthly Deposit Balance $100,000 or greater earns additional 0.25% APY^{a c}

ATM Fee Reimbursements:^d

Up to $15.00 per statement cycle

Monthly Service Charge: $8 per statement cycle^e

Fee reduced to $5 per statement cycle by enrolling in e-statements
Fee waived by enrolling in e-statements and one of the following:
- Average daily balance of $5,000 or greater; or
- 10 qualifying POS debit card transactions per statement cycle
Fee waived if primary owner age 65+

Minimum $50 deposit to open account

Momentum Boost

2.00% cash back on qualifying POS debit card transactions of $5.00 or more:^f

Cash back paid monthly
Cash back limit: $200 per calendar year

ATM Fee Reimbursement:^c

Up to $15.00 per statement cycle

Monthly Service Charge: $8 per statement cycle^e

Fee reduced to $5 per statement cycle by enrolling in e-statements
Fee waived by enrolling in e-statements and one of the following:
- Average daily balance of $5,000 or greater; or
- 10 qualifying POS debit card transactions per statement cycle.
Fee waived if primary owner age 65+

Minimum $50 deposit to open account

Momentum NOW

Tiered Interest Rate Based on Daily Balance:

Tier 1: Up to $25,000 = 1.50% APY^a
Tier 2: Greater than $25,000 = 0.25% APY^a
Minimum Daily Balance to earn interest: $100^g

Monthly Service Charge: $3 per statement cycle^e

Fee waived by:
- Enrolling in e-statements; OR
- Primary account owner age 65+

Momentum Disclosures

^aRate Information: Annual Percentage Yields (APYs) are accurate as of July 1, 2026. Rates are variable and may change after the account is opened without notice to you. Minimum balance requirements apply to obtain the disclosed APY. For interest bearing accounts, you will earn interest for every day during the Statement Cycle that your account equals or exceeds the minimum daily balance requirement. Interest is paid using a tiered-rate method. Fees may reduce earnings.

^bMomentum Earn: Minimum Daily Balance to earn interest: $500. Daily balances up to and including $15,000.00 receive an APY of 3.00%; and daily balances over $15,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $15,000.00.

^cEnhanced Interest Rate: Enhanced interest rate applies only to Momentum Earn. Maintain an average combined monthly balance of $100,000 in eligible deposit accounts to earn an additional 0.25% above the otherwise applicable interest rate on the account. The corresponding APY will vary depending upon the account balance, applicable tier, and whether the additional rate applies. Eligibility is determined each statement cycle based on eligible deposit accounts maintained by the primary account holder during the previous statement cycle. Eligible deposit accounts may include consumer checking, savings, money market, and certificate of deposit accounts owned by the primary account holder, unless otherwise excluded by the Bank. The Bank will determine eligible accounts in accordance with its account qualification criteria.

^dATM Fee Reimbursements: ATM fee reimbursements apply only to Momentum Earn and Momentum Boost. You will receive ATM fee reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees incurred within the account statement cycle. This includes fees charged/disclosed at the time of the transaction at the ATM terminal and fees charged by Alliant Bank for use of non-Alliant Bank owned ATMs. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. ATM fee reimbursements will be distributed to your account on the last day of the current statement cycle. Rewards less than a penny cannot be distributed. If the account is closed, you will forfeit any rewards that have not been credited to your account.

^eService Charge: Transaction and balance requirements apply. Service charges may apply if requirements are not met. Fees may reduce earnings. To receive a service charge reduction, you must be enrolled in and agree to receive electronic statements (“e-statements”) instead of paper statements. The service charge will be waived entirely if either (i) the primary account holder is sixty-five (65) years of age or older, effective with the Statement Cycle following the primary account holder's sixty-fifth (65th) birthday; or (ii) the account is enrolled in e-statements and (a) has at least ten (10) qualifying debit card transactions that post and settle during the Statement Cycle, or (b) holds an average daily balance of $5,000 or greater.

^fCash Back: Cash back applies only to Momentum Boost. You will receive 2.00% cash back on PIN-based and signature-based debit card purchases in the amount of $5.00 or more. A maximum of $200.00 cash back payments may be earned on qualifying transactions that post and settle to the account during a calendar year. The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with a debit or credit card not issued by our bank. Transactions bundled together by merchants and received by our bank as a single transaction count as a single transaction for the purpose of earning account rewards. Cash back will be distributed to your account on the last day of the current statement cycle. Rewards less than a penny cannot be distributed. If the account is closed, you will forfeit any rewards that have not been credited to your account.

^gMomentum Now: Minimum Daily balance to earn interest: $100. Daily balances up to and including $25,000.00 receive an APY of 1.50%; and daily balances over $25,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $25,000.00.

Additional Information: “Statement Cycle” means the period for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholders account. Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Statement Cycle to qualify for the account’s rewards and service charge waivers. Limit of one (1) of each type of reward account per taxpayer identification number. These accounts are not to be used for commercial purposes. Additional terms, conditions, and restrictions apply. Full account disclosures are available at any Alliant Bank location. Contact us for current rates and complete account details. Alliant Bank, Member FDIC.

Green Checking

Apply Now

Want a hassle-free checking account? Then Green checking is for you.

No minimum balance to avoid a service charge
FREE ATM/Debit Card
FREE Mobile Banking
FREE Online Banking and Bill Pay
FREE E-Statements with images
Unlimited check writing
24-hour Telephone Banking
Receive paper statements on Green accounts for a monthly fee of $3.00.

Health Savings Account

A Health Savings Account is a tax exempt-trust or custodial account established exclusively for the purpose of paying or reimbursing certain medical expenses incurred by you, your spouse or your dependents. With the ever-increasing costs of healthcare, it's worth your time to talk to an Alliant Bank Customer Service Representative about opening a Health Savings Account with Alliant Bank.

Super Student Checking

We believe now is the perfect time to teach kids and young adults positive money management habits. That's why Alliant Bank offers savings and checking accounts for all ages. These accounts are ideal for building a path to financial success.