Alliant High-Rate Checking bonus: is $100 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $500 while it's there, bonus included.
The math
Compared with leaving $500 at 4.15%
Deposit $500 in new money within 1 day · Get $500 in direct deposits within 30 days · Make 5 debit card purchases within 45 days · Keep $1,000 there until day 45. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $500 in new money within 1 day
- 2Get $500 in direct deposits within 30 days
- 3Make 5 debit card purchases within 45 days
- 4Keep $1,000 there until day 45
- Ends
- No end date listed
- Where
- Nationwide
- Monthly fee
- None
- Closing early
- $10 within 90 days
- Cash stays
- About 45 days
- Bonus paid
- Usually within 45 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Alliant High-Rate Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $500 tier adds +$97: the $100 bonus, minus the $3 that cash would have earned in 45 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $500 in new money within 1 day; get $500 in direct deposits within 30 days; make 5 debit card purchases within 45 days; keep $1,000 there until day 45. Open nationwide.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.