Alliant Credit Union $100 Ultimate Opportunity Savings Account, No Direct Deposit Required (Plus $75-$84)

Update 1/14/24: Deal is back and valid until December 31, 2024.

Update 8/3/23: Alliant is back on Swagbucks/MyPoints for around $75-$84. As we’ve noted before, anecdotally, it’s been possible to stack the Swagbucks with the $100 offer by clicking through Swagbucks and then navigating to the $100 offer link. (Note: it appears only the below-mentioned Suze Orman version is still available. The slightly easier variant offer mentioned in the updates below is expired, let us know if you find an updated link to those offers.)

Offer at a glance

• Maximum bonus amount: $100
• Availability: Nationwide, must be new member
• Direct deposit required: No
• Additional requirements: Deposit $100 each month
• Hard/soft pull: Soft
• ChexSystems: Yes, some reports of chexsystems sensitivity in the comments but lots approved as well
• Credit card funding: None
• Monthly fees: None with eStatements
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: 12/31/21 December 31, 2022

The Offer

Direct link to offer

• Alliant Credit Union is offering a bonus of $100 when new Alliant Credit Union Members open an Ultimate Opportunity Savings Account and complete the following requirements:
  • Deposit at least $100 a month for 12 consecutive months
  • Must have a balance of at least $1,200 at the end of the 12 month period

The Fine Print

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
• This promotion is for new Alliant Credit Union members only.
• New Alliant Credit Union members can earn a $100 bonus deposit by joining Alliant through Suze Orman’s The Ultimate Opportunity Savings Account promotion and meeting the following requirements.
• Offer valid for one new Alliant Credit Union savings account (“account”) opened from January 10, 2021, through March 31, 2021; funded by transfers and/or deposits totaling $100 or more each month for 12 consecutive months; and opened by applying online from this page or by phone at 800-328-1935 and mentioning “Suze Orman’s The Ultimate Opportunity Savings Account promotion.”
• Existing Alliant members, customers who are a joint owner on an Alliant savings account, and former Alliant members who closed an Alliant savings account within 180 days of applying for the new account are not eligible.
• The first $100 must be transferred and/or deposited within 30 days of account opening, and each calendar month after the first $100 transfer/deposit, funds need to post to the account by the last day of the month.
• Account must remain open and in good standing, maintain an average daily minimum balance of $100, and the balance at the end of the 12-calendar-month period must be $1,200 or more in order to receive the $100 bonus deposit.
• Accounts will be reviewed 12 months from the date of the first transfer/deposit to determine eligibility.
• If all requirements have been met after 12 months, please allow 4 weeks for the $100 bonus deposit to post to your account.
• You will be responsible for any tax liability. Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts.
• Limit one offer per new Alliant member.
• All account applications are subject to approval.
• You must apply for the account by 11:59 p.m. CT on March 31, 2021, to be eligible.
• Must be 18 or older at time of account opening and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible.
• Alliant employees are not eligible for this promotion.
• This promotion is subject to all federal, state and local laws and regulations and governed by Illinois law. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666.

Avoiding Fees

Monthly Fees

This account has no monthly fees as long as you opt for eStatements.

Early Account Termination Fee

Our Verdict

Looks like you need a minimum of $100 in the account at any time and then must have $1,200 in the account at the end of the promo period, I’d probably just keep the money in there the whole time if possible as the account earns 0.55% 1.00% APY anyway (not terrible compared to other high interest savings accounts).

As far as I know Alliant last ran a checking bonus in 2014 and that was targeted. Some readers might already be members from signing up for Alliant credit cards, but if you’re not already a member then this is an easy bonus and well worth doing. Will add this to our best savings bonuses.

Hat tip to reader Ashley R

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update History:

• Update 2/20/23: There is a new variation that just requires a $1,000 deposit and just needs to be maintained until May 31, 2023. Link here. Probably best to wait for a Swagbucks bonus to return. Hat tip to reader Woody. Looks like you might need to use one of these links to be eligible?
  • Landing Page: http://www.alliantoffer.com/brain Promo Code: brain100
  • Landing Page: http://www.alliantoffer.com/justb Promo Code: just100
  • Landing Page: http://www.alliantoffer.com/john Promo Code: john100
  • Landing Page: http://www.alliantoffer.com/tech Promo Code: tech100
• Update 1/15/23: Extended through December 31, 2023.
• Update 11/20/22: Swagbucks is up to $75 now. (ht FrankPL) Again, click through Swagbucks, then navigate to the $100 bonus, and hopefully the SB will still track.
• Update 10/19/22: Swagbucks is now 6,500 SB and MyPoints is at 12,000.
• Update 8/22/22: There’s also a 4,500 SB or 8,000 MP bonus when signing up for an Alliant savings account and depositing $25. Not known if this stacks with the $100 bonus or not, but you can try clicking through Swagbucks and then navigating to the $100 bonus page and hopefully the Swagbucks will still track. (ht Gadget) And this has been confirmed to work in the past. (ht Kyle)
• Update 7/7/22: There is another version of this offer that requires a $10,000 deposit. Much quicker to get the bonus but much higher balance required. The normal version of this offer is better in my opinion. Separately, there’s now $100 checking bonus as well.
• Update 1/20/22: Deal is back and valid until December 31, 2022.