![]() If you use assistive technology, you can reach out to Ally's customer support for assistance. ![]() You can manage your account, check your balance, make transfers and deposits, and pay bills all online or via Ally's mobile app. Available 24/7, Ally's customer support team is highly accessible, and can be reached via phone, chat, email, or written correspondence. ![]() If you're an existing Ally member, you can access Ally's customer support team via chat by logging into your account. You'll be informed ahead of time of any such fees. Should you be in need of extensive research, for example, if you need statements from years past, Ally will charge a research fee of $25 per hour. If you need a check overnighted, Ally charges an expedited delivery fee of $15. If you have a savings or checking account, you won't be charged a fee for an official or cashier's check. However, there is a $20 fee per domestic wire. If you are receiving a domestic or international wire, Ally won't charge you a fee if you have a savings or checking account. Whereas some banks charge a fee for ACH transfers, Ally's savings and checking accounts don't charge you a fee for standard or expedited ACH transfers. You won't get charged a low balance fee with an Ally checking account. Low balanceĪ bank might have a fee if your balance dips below a minimum amount. Ally's checking and savings accounts don't have monthly maintenance fees. You might get hit with a monthly account fee from some banks. While many banks charge an overdraft fee if you don't have sufficient funds in your bank account to cover a transaction, Ally doesn't charge fees for overdraft items on its checking or savings accounts. Why we recommend it: With its competitive rates, different products, and no minimum account requirements, Ally's CD offerings are worth considering. Plus, there's no minimum amount to open your CD, but you'll need to stash something in one to start earning interest. Ally certificate of deposit (CD)Īlly offers CDs with terms between three months to five years, and also raise-your-rate and no-penalty CDs. Plus, account holders can set up 10 separate savings "buckets" or sub-accounts, and employ recurring transfers, roundups, boosters and surprise transfers to speed up their savings goals. ![]() Ally high-yield savings accountĪlly's high-yield savings account features competitive interest rates, no monthly service or overdraft fees, and no minimum deposit requirements. And, if your transaction isn’t covered because it exceeds the CoverDraft limit, you still won’t be charged an overdraft fee. Your next checking account deposit will automatically apply to the negative balance. Or, Ally’s CoverDraft service will cover up to $100 ($250 if you have qualifying direct deposits of at least $250 for two months in a row). And provides you with a debit card.Īnother huge perk is Ally’s two levels of protection against overdrawing your account: If you have Ally Bank Savings or a Money Market Account, Overdraft Transfer Service will automatically transfer money to cover your negative balance. Ally Bank products Ally Spending AccountĪlly Spending Account pays interest, gives you early access to direct deposits into your account (two days sooner after you’ve made two direct deposits), and has an ingenious feature that lets you set aside money in spending buckets to help you budget. Let's take a look at Ally Bank's main offerings, overall features, and who Ally Bank is best for. ![]()
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