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Alliant Credit Union
Alliant Credit Union
Alliant is one of the largest credit unions in the United States. And while it's located in Illinois, anyone can join, no matter where they live.

"If you want a brick-and-mortar bank in the area, that would be the downside of Alliant," said Ken Tumin, founder of Depositaccounts.com. "But besides that it's a great option. There's high-rate checking, no monthly fees and it's part of a really big ATM network."

Alliant offers a checking account with no monthly service fee and no minimum balance requirement. While the basic free checking account doesn't pay interest automatically, you can easily earn a high APY of 1.10% on your checking account if you opt out of paper statements and make at least one monthly electronic deposit.

Customers are also granted access to a network of more than 80,000 ATMs across the country to use without charge.

Last updated January 28 2011: 2:44 PM ET
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