Open a new Alliant high-rate checking account through Rakuten and you can earn $100 cash back. You must make a $500+ opening deposit, 5 debit purchases of $10+ within 45 days, and a $500+ direct deposit within 30 days.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Rakuten High-Rate Checking bonus
- Click the Rakuten link and open one new Alliant Credit Union checking account as a new member.
- Make an initial deposit of $500 or more at account opening.
- Make 5 qualifying debit card purchases of at least $10 each (totaling $50+) within 45 days.
- Complete a subsequent direct deposit of $500 or more within 30 days of clicking the link.
- Keep the account open with a minimum balance of $1,000 on the 45th day after opening.
The fine print that matters
- Cash back is provided by Rakuten, not Alliant Credit Union.
- New Alliant members only, one cash back offer per account.
- Direct deposit must come from an employer or government agency; P2P, checks, ACH, and wire transfers do not qualify.
- Must be at least 18 and a legal US resident.
- Governed by Illinois law and insured by NCUA.
Verification and reports
Confirmed against rakuten.com on Aug 1, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: rakuten.com offer page (checked Aug 1, 2026)