# Rakuten High-Rate Checking: $100 bonus

Canonical: https://dealaka.com/offers/rakuten-high-rate-checking-sign-up-bonus

- Status: Limited reports
- Bonus: $100
- Requirement: $500+ initial deposit, DD $500+, 5 debit txns $10+
- Expires: no published end date
- Availability: Nationwide
- Institution: Rakuten
- Verified: Aug 1, 2026 against rakuten.com
- Field reports: 0

## Summary
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.

## Requirements
1. Click the Rakuten link and open one new Alliant Credit Union checking account as a new member.
2. Make an initial deposit of $500 or more at account opening.
3. Make 5 qualifying debit card purchases of at least $10 each (totaling $50+) within 45 days.
4. Complete a subsequent direct deposit of $500 or more within 30 days of clicking the link.
5. Keep the account open with a minimum balance of $1,000 on the 45th day after opening.

## 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.

## Sources
- rakuten.com offer page <https://www.rakuten.com/shop/alliantcreditunionchecking> (checked Aug 1, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._