Alliant Bank

Personal Banking from Alliant Bank

CHECKING ACCOUNTS
	Free and Simple	Community Plus	Super Now	Elite	Advantage Checking
General Description	Basic Checking with Image Statements	Overdraft Protection Account	Earn Interest on your Balance	For 55 and Older with Interest	Basic Checking with Interest and E-Statements
Opening Minimum Deposit	$50	$50	$1000¹	$100¹	$50
Service Charge	NONE	$7.50	$6.00¹	$5.00¹	NONE
Minimum Balance Required for NO Service Charge	Not Applicable	Not Applicable	$1,000	$500	Not Applicable
Interest Bearing	No	No	Yes³	Yes	Yes⁵
Online Banking	Available	Available	Available	Available	Available
Online Bill Pay	Available	Available	Available	Available	Available
Statements with Images	Included	Included	Included	Included	E-Statements Required
Unlimited Check Writing	Included	Included	Included	Included	Included
Overdraft Privilege	Not Available	Included	Not Available	Not Available	Not Available
Overdraft Protection	Available	Not Available	Not Available	Not Available	Available
Free Checks	Not Available	2 Boxes per Year⁸	Not Available	2 Boxes per Year⁸	Not Available
ATM/Debit Card	Available	Available	Available	Available	Available
24-hour Telephone Banking	Included	Included	Included	Included	Included
All checking accounts are FDIC insured.
Service charge applies if minimum balance is not maintained. Daily balance method used to calculate service charge. Service charge applies if minimum balance is not maintained. Average daily balance method used to calculate service charge. Account will not earn interest if the daily balance falls below $1,000. Account will not earn interest if the average daily balance falls below $1,000. The new rate for Advantage Checking will be 3.51% annual percentage yield (APY). The rate for the amount over $25,000 will also change to 0.76% APY. If the customer does not meet all of the requirements the interest rate will be 0.25% APY (no change). If you do not meet the qualifications per cycle, your account will still function as a free checking account earning a Base Rate 0.25% APY; however it will not receive ATM fee fefunds for that time period. We may change the interest rate and APY at any time after the account is opened. Reward Rate Qualifications Per Cycle: Make 12 Debit Card Purchases. Enroll and Receive Electronic Statement. Set up 1 Direct Deposit or ACH auto debit from your account. Access online banking. Overdraft privileges up to $300 available for qualified individuals, some restrictions apply; $17.50 per overdraft item fee applies. Overdraft protection up to $600 available for qualified individuals, some restrictions apply; $25.00 per overdraft item fee applies. Limited styles available for free checks.
MONEY MARKET ACCOUNTS
		Triple Advantage Money Market		Rate Rally Money Market
General Description		Higher Earnings on Higher Balances		Higher Earnings on Higher Balances
Opening Minimum Deposit		$1,000¹		$2,500¹
Service Charge		$10.00		$10.00
Minimum Balance Required for NO Service Charge		$1,000		$2,500
Interest Bearing		Yes³		Yes³
Online Banking		Available		Available
Online Bill Pay		Available		Available
Statements with Images		Included		Included
Unlimited Check Writing		Not Available		Not Available
Overdraft Privilege		Not Available		Not Available
Overdraft Protection		Not Available		Not Available
Free Checks		Not Available		Not Available
ATM/Debit Card		Available⁴		Available⁴
24-hour Telephone Banking		Included		Included
All checking accounts are FDIC insured.
Service charge applies if minimum balance is not maintained. Daily balance method used to calculate service charge. Service charge applies if minimum balance is not maintained. Average daily balance method used to calculate service charge. Account will not earn interest if the average daily balance falls below minimum balance requeired. Limited use-only 6 withdrawals per statement cycle, only 3 by check; $10 per debit fee applies above limits.
SAVINGS ACCOUNTS
		Regular Savings		Youth Savings
Opening Minimum Deposit		$100		$10
Below Minimum Balance Service Charge		$3.00⁹		$3.00⁹
Minimum Balance Required for NO Service Charge		$100		$10
Transaction Limits		3 per month¹⁰		3 per month¹⁰
Service Charge for Excess Transactions		$2.00		$2.00
Interest Bearing		Yes¹¹		Yes¹²
Online Banking		Available		Available
Statements		Detailed Quarterly Statements		Detailed Quarterly Statements
ATM/Debit Card		Available		Available
24-hour Telephone Banking		Included		Included
All checking accounts are FDIC insured.
Service charge applies if minimum balance is not maintained. Daily balance method used to calculate service charge. Up to 3 withdrawals per month at no charge, $2.00 charge for each additional withdrawal. No interest will be paid if the daily balance falls below $100. No interest will be paid if the daily balance falls below $50. Debit card are only available with checking accounts. Your savings account can be tied to your existing checking account debit card. ATM cards are available with our Regular savings account and with the youth savings accounts with parent/guardian consent.

Automatic Savings Plan
This plan is designed to make savings a regular routine for everyone. It is especially helpful for beginning savers to learn the savings habit. And best of all, it’s Free!

You can have your money transferred automatically from a new or existing Alliant Bank checking account.
You are free to choose the dates and frequency – weekly, bi-weekly, monthly.
Contact your local Alliant Bank branch and let our friendly staff help set up your Automatic Savings Plan today.

24-Hour Telephone Banking (800) 976-7450
Access your accounts for balance inquires at any time with 24-hour Telephone Banking. You can check items clearing your accounts and make transfers between your accounts. This feature is FREE and available with all accounts.

Other Personal Banking Products & Services

ATM Card
ATM/Debit Card
24-Hour Telephone Banking (800) 976-7450
24/7 Online Account Access
FREE – Automatic Scheduled Transfers
Night Drop
Monthly Combined Statements
Safety Deposit Boxes
Wire Transfers
Cashiers Checks
Personal Money Order
Cash Advances

Certificates of Deposit
Looking for an investment tool with FDIC security and locked rates? Alliant Bank Certificates of Deposit have a variety of terms and competitive rates to meet all your needs.

Individual Retirement Accounts (IRAs)
Let us help you meet your retirement needs. Please look at our rates for Certificate of Deposit to find the term and rate that best suits your need, or find out about other retirement planning options available to you from our investment center.

Health Savings Accounts (HSA) 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 Represenative about opening a Health Savings Account with Alliant Bank.

Borrowing

Home Loans
- Fixed Rate Mortgage
- 1-Year Adjustable Rate Mortgage
- 3/1 Year ARM
- 5/1 Year ARM
- Home Equity Loan/Line of Credit
- Construction to Permanent
Consumer Loans
- Automobile Loans
- Single Payment Loans
- CD Loans
- Other Securerd Loans (Boats, Recreational Vehicals)
- Secured Consolidation Loans

Automatic Loan Payments
Save time and stop worrying about your payment being made on time. We can setup your loan payments to be automatically made on the due date, and best of all, the service is FREE!