Alliant Credit Union Checking Account Offer

There is an Alliant Credit Union checking account offer that has been floating around for a few weeks now. In case you missed the email from Rakuten I figured I would highlight this solid offer for everyone. It is a pretty easy bonus to hit, but it does require you having a Rakuten account to get the bonus. That also adds another layer of tracking to all of this, which some people won't love. Just make sure the email etc. on your Rakuten account matches everything for the Alliant Credit Union checking account.

If you don't have a Rakuten account yet, then you can use our referral here. Here is our guide on the program as a whole as well, should you need it.

Offer Details

Here are the details for this Alliant Credit Union checking account offer:

• $150 Cash Back (or 15,000 Membership Rewards) is only available for new Alliant members ( one Cash Back offer per account) who click through the Rakuten link and apply for, and open, one new Alliant Credit Union Checking account and complete a Direct Deposit in the amount of $500.00+ into the new Alliant Checking account.
  • Must be done within 30 days of clicking the Rakuten link.
• LINK TO OFFER

I am unsure if doing the previous Alliant Credit Union CD offer on Rakuten would disqualify you for this one. The terms make it seem like it would, but if you have tried both then be sure to let us know if you received the bonus or not. I'll probably just have my wife do this one, since I did the CD offer last time around. We also don't have any data points if anything other than true direct deposits trigger the direct deposit requirement

Offer Terms

Here are some notable terms for this checking account bonus:

• Existing Alliant Credit Union members, customers who are joint owners on an existing Alliant Credit Union account, and former Alliant Credit Union members or joint owners who closed an Alliant Credit Union membership within 180 days of establishing a new membership are not eligible.
• Only one Cash Back offer per new Alliant member.
• Alliant Checking accounts will be reviewed to determine eligibility.
• If requirements have been met, Cash Back will be automatically added to your Rakuten account within 45 days.
  • It says below this that the cash back will be added to your Rakuten account the next day, but I assuming that means it will be showing as pending then.
• Direct Deposits are defined as coming from an employer or government agency.
  • The following do not constitute Direct Deposit activity: check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds).
• It doesn't appear the account has any monthly fees to worry about.
• There is an early termination fee of $10 if closed within 90 days.
• LINK TO OFFER

Alliant Credit Union Checking Account Offer: ToP Thoughts

The Alliant Credit Union checking account offer is pretty easy with only a $500 direct deposit requirement. Some will be turned off by having to go through Rakuten to get it though. While Rakuten has been pretty reliable for me, it does add another layer of complexity to this. It stinks that it seems like having other Alliant Credit Union accounts would make you ineligible for this one. Although, what the rules say, and how they are implemented, can sometimes be two different things. If you have any experience with it be sure to let us know over in the ToP Facebook Group.

Also, if you don't have a Rakuten account yet then you can support ToP by using our referral link. Even if you don't go after this offer it is an excellent account to have for online shopping. Especially if you have some of those pesky Dell credits to work through.