Help Center: Ally Bank

Top FAQs

See the top FAQs for this category.

Other FAQs

  • Are my checks always free?

    Yes, Ally will provide you with free standard bank stock checks in orders of 50. When you’re running low, request additional checks online or by calling us at 1-877-247-ALLY (2559).

  • Are my deposits still FDIC insured?

    Absolutely. Ally Bank is insured by the Federal Deposit Insurance Corporation (FDIC) so deposits with us are insured up to $250,000 per depositor.  Read more about FDIC

  • Are there any fees to open or maintain a certificate of deposit?

    There are no fees to open or obtain the APY on a certificate of deposit.

  • Can I download my bank account information to Quicken®?

    Yes. You can download your Ally Bank account information to Quicken® 2006 or other later versions.

  • Can I have one debit card for all of my Ally accounts?

    No, you should have a separate debit card for each Interest Checking Account or Money Market Account you have with Ally. If you link more than one type of account (such as two Interest Checking accounts) to the same card, you will have to choose one account as the primary account. That primary account is the only account you will be able to access with your debit card. That's why you should have a separate debit card for each account.

    To open an account or request a debit card for an existing account, call us at 1-877-247-ALLY (2559).

  • Can I schedule a transfer for a holiday, Saturday or Sunday?

    The transfer calendar will let you choose a non-business day, but your transfer will be processed on the next available business day.

  • Can I set bills up to be paid automatically?

    Yes, Ally Bill Pay offers 2 types of automatic payments that let you easily customize Scheduled Delivery Dates, amounts, or cancel scheduled automatic payments at any time.

    Automatic fixed payment

    You can set up an automatic payment for a fixed amount on a regular basis. This is helpful for recurring bills with due dates and amounts that don’t change – such as:

    • Car
    • Mortgage
    • Rent
    • Student loan

    Automatic eBill payment

    Set up an automatic payment for the minimum amount or full amount due, based on the receipt of an eBill. This is helpful for recurring bills where the amount varies month to month – such as:

    • Credit card
    • Electricity
    • Water
    • Phone

  • Can I set up recurring and scheduled transfers?

    Yes. You can set up a scheduled or recurring transfer. Simply log in to your Ally Bank account and go to Transfers. Specify the amount of the transfer, the date range, and the frequency of transfer. We'll take care of the rest. Plus, you'll be able to review all your transfers online.

  • Can I use my new Ally account immediately?

    Yes. Once you've opened and funded an account with us, you're good to go.

    To get started with Online Banking, you can either create a username and password online when you first open your account, or give us a call and we’ll help you set it up.

  • Do I have to keep a large balance to get Sleeping Money alerts?

    No. If you have a Money Market or Online Savings account, we'll send you Sleeping Money alerts no matter the size of your balance. We want to help you get the most you can out of your Ally account, regardless of your balance. This means recommending ways to help your money grow. We think it's just the right thing to do.

  • Do you need a signature card for each account I have with you?

    We only need one signature card for each customer no matter how many accounts the customer has with us.

  • Does Ally offer a financial education program?

    Yes, Ally’s Wallet Wise program focuses on teaching consumers how to establish good credit, manage a budget and evaluate banking and investment options. The curriculum and consumer tips are available at no cost, and the website features online tutorials.

  • Does Ally offer a financial education program?

    Yes, Ally’s Wallet Wise program focuses on teaching consumers how to establish good credit, manage a budget and evaluate banking and investment options. The curriculum and consumer tips are available at no cost, and the website features online tutorials.

  • How can I access the money in my Interest Checking Account?

    To access your account, make payments, or move your money:

    • Use a debit card or checks for purchases and payments

    • Make payments using free Online Bill Pay

    • Get cash back when you shop with your debit card

    • Get cash from an ATM (To find a nearby ATM, use the Ally ATM & Cash Locator)

    • Transfer money between your Ally accounts

    • Transfer money from your Ally account to another bank account

    • Call us to obtain a cashier's check or for a wire transfer

  • How can I contact you?

    Please visit our Contact Us page.

  • How can I find my account number?

    1. Log in to your online bank account
    2. Choose the name of the account that you’d like to view
    3. Next to Account Number select unhide 
    4. Select hide to mask it again

  • How can I make sure a bill is paid on time?

    Just select a Scheduled Delivery Date that’s before or on the date your bill is due and it should be paid on time.

    Ally Bill Pay makes it easier for you by factoring in delivery time. So the date that you select for a payment, is the date the payee should receive the payment. We make every effort to deliver your payment by the Scheduled Delivery Date, but payments to some payees may take longer. For payments that are critical to you, we suggest you select a Scheduled Delivery Date at least 4 business days prior to your bill due date.

    Note: To make it easier for you, the Bill Pay calendar builds in the number of days for each payee automatically. The first available date, excluding weekends and federal holidays, will be the fastest a payment can be delivered to a payee.

  • How do I access a saved application?

    To return to a saved application, select open accounts on the home page. It's on the left underneath products.  Above the New Customer box, select Return and complete it. We'll ask you for your email and application number.

  • How do I activate my debit card?

    Once you receive your card, just dial the number on the front of the card to activate.

  • How do I add money to my account?

    There are six ways to add money to your account:

    • Move funds online between Ally accounts
    • Make transfers online between your Ally account and your accounts at other banks that have been registered with Ally
    • Scan and submit your check images with Ally eCheck DepositSM
    • Direct Deposit for your paycheck or Social Security check, excluding IRAs
    • Wire transfer
    • Checks sent by U.S. mail (Please don't send cash)

  • How do I apply for a job with Ally?

    1. Visit the Ally Careers page
    2. Select a language from the Open Positions dropdown on the right-hand side
    3. Search or browse for a position of interest by using the Job Search filters which include: Job Title, Category, City, State, Country, Keyword Search, or Concept Search
    4. Once you find a job you wish to apply for, select Apply for this job at the bottom of the job’s description

    If you’re a new user: review the Legal Notice and Privacy Policy then click Submit

    If you’re a registered user: select Log in at the top of the page, then enter your email address and password to access your information.

    Note: You may also be required to complete an assessment depending on the job. You must complete all of the required information in order to be considered for the applied position.

  • How do I change my address?

    Simply log in to your account to change your address. You can also mail your address update to us at:

    Ally Bank Customer Care

    P.O. Box 951

    Horsham, PA 19044

  • How do I change my beneficiaries or add a new one?

    Follow these instructions to add or change your beneficiaries:

    1. Log in

    2. Select Beneficiaries under Account Services on the right side of the Account List page

    3. Select the Add Beneficiary button or edit/delete link to make your changes

  • How do I check the status of a bill payment?

    On the Payment Activity tab in Ally Bill Pay.

    You can view payments that have been:

    • Paid
    • Scheduled
    • Cancelled
    • Failed

    You can check payment and payee details like:

    • Amounts
    • Dates
    • Accounts used to pay a bill

  • How do I close my account?

    You can always call us at 877-247-Ally (2559) to close your account. Or, send a written request to:

    Ally Bank Customer Care

    P.O. Box 951

    Horsham, PA 19044

  • How do I dispute a transaction on my statement?

    You can call us to discuss your account 24/7 at 877-247-Ally (2559).

    You can also send us a letter. Be sure to include your name, account number, the transaction dollar amount, and an explanation as to why you believe there is an error. Mail your letter to:

    Ally Bank Customer Care

    P.O. Box 951

    Horsham, PA 19044

    You can also find more information on your [link]account agreement[/link] and billing statement for details concerning billing disputes.

  • How do I enable cookies?

    In order to fully experience our site, you may need to enable cookies on your computer. It's easy to do: just find your browser type below and follow the steps.

    Internet Explorer (version 6 or 7)   

    1. Click the Tools menu.   

    2. Select Internet Options.   

    3. Click the Privacy tab.   

    4. Click the Default button (or manually slide the bar down to 'Medium').   

    5. Click the OK button.

    Mozilla FireFox (version 2 or 3)   

    1. Click the Tools menu.   

    2. Select Options.   

    3. Click the Privacy tab.   

     4. Select the 'Accept cookies from sites' checkbox.   

    5. Click the OK button.

    Safari (version 3)   

    1. Click the Safari menu.   

     2. Select Preferences.   

     3. Click Security.   

    4. In the 'Accept Cookies' section, select Always.   

    5. Click OK.

  • How do I enable Javascript?

    Depending on which Internet browser you are using, you can enable Javascript via the following methods:

    Internet Explorer (version 6 or 7)

    1. Select Tools from the menu bar at the top of your screen.

    2. Select Internet Options, then the Internet Zone icon.

    3. Select Custom Level, and scroll down to the Scripting Section.

    4. Select the Enable checkbox for Active Scripting.

    Mozilla Firefox (versions 3.x)

    1. Select Preferences, then Content.

    2. Select the Enable Javascript checkbox.

    Safari (versions 3 or 4)

    1. Select Preferences, then Security.

    2. See more...

  • How do I find current rate information?

    View all our rates, side-by-side, on our site's Compare page. You can also find more rate information on our individual High Yield Certificate of Deposit, No Penalty Certificate of Deposit, Online Savings Account, and Money Market Account pages.

  • How do I get cash back with a debit card purchase?

    When you swipe your debit card to pay for a purchase, the card reader will usually ask if you’d like to get cash back. You’ll be asked to enter how much money you’d like back and your personal identification number (PIN–the same one you use for the ATM).

    The extra amount of money is added to the total price of the transaction. For example, if you buy $18 worth of merchandise and ask for $20 cash back, you will pay a total of $38 ($18 + $20) with your debit card and receive $20 in cash along with your purchases.

  • How do I get started with Ally Bill Pay?

    Ally Bill Pay is free with an Ally Interest Checking Account. To get started with Ally Bill Pay, set up who you'd like to pay (payees):

    1. Gather your bills so you’ll have payee names, account numbers, and addresses handy
    2. Log in to your bank account
    3. Select pay bills, from the navigation on the left-hand side
    4. Type in the name of anyone you want to pay in the add payee entry box
    5. Type in an amount, pick a date, and choose the Ally account you’d like to use to pay your bills

    Once you set up payees you'll find that it's simple to schedule and make payments, set up bill alerts, and view bill details online.

  • How do I get started?

    It's simple. Just open an account with us. We'll ask for basic information, including your name, address, and Social Security number.

  • How do I know when an upcoming bill is due?

    For payees that you have set up eBills for, you can view upcoming bill due dates in 3 areas in Ally Bill Pay:

    • Pay Bills tab
    • eBills tab
    • Calendar tab

  • How do I know you have my correct information?

    Start by checking the information on your statements and account documents. You can log in to your online Ally Bank account and update some of your personal information in My Accounts and Online Banking. For changes to your name and address, we will need to verify your identity in order to protect you and your accounts. Simply call us at 877-247-Ally (2559). We’re here to help.

  • How do I log in to my online account?

    If you already have a GMAC Bank online account with a username and password, you can log in now using the same  username and password. You can also open an account online or call Customer Care Support at 1-877-247-ALLY (1-877-247-2559) to get started.

  • How do I make a deposit into my account?

    There are four ways to make a deposit into your new account:

    1. Online funds transfer: If you are an existing customer, log in to your Ally Bank account. If you've already set up your non-Ally account for funding, go to Transfers and select Ally to non-Ally Accounts.

    To add a new non-Ally bank or brokerage account, go to Transfers > Ally to non-Ally Accounts > Manage Accounts tab. We'll start the process for making your online funds transfer immediately, but it will take 3 business days to complete.

    If you're a new customer and plan to open an account, setting up a new non-Ally account for online funds transfer is easy.

    When you open your account, you get to choose whether you want to mail your funding check to us or send it online. If you choose to transfer the money electronically, you'll set up your non-Ally account at this time. When you make this choice, a panel opens and asks for the amount of the transfer and your external bank account and routing numbers. (We show you an image of a check to help you quickly know which numbers to enter.) You'll then be asked whether you want to make transfers from this account in the future. Say "yes," and we'll save this account for you to use again in the future. Before you can make transfers with a non-Ally account, we'll need to verify ownership of that account. Once verification is complete, your non-Ally account will be ready to use. If you need us at any time along the way, we're here to help at 1-877-247-ALLY (2559).

    2. Scan your deposit – Ally eCheck Deposit: All you need to scan your check from your home or office is a scanner and computer with an internet connection. See how it works

    3. Wire transfer: If you would like to transfer funds from a non-Ally account call us at 1-877-247-ALLY (2559). We'll help you with the information you need to give to the other financial institution.

    4. Mail your deposit: You can also fund your account with a paper check — sorry, we do not accept cash. Make sure the check is endorsed and made payable to you. You should also write "Deposit only" along with your account number on the back. Be sure to seal the envelope properly and mail it to us at:

    Ally Bank P.O.

    Box 13625

    Philadelphia, PA 19101-3625

  • How do I open a certificate of deposit?

    There are three ways:

    1. Online: Submit an application online at allybank.com
    2. Phone: Call us at 877-247-ALLY (2559)
    3. Mail: Download the application that's right for you and mail it to the address on the application

  • How do I open an Ally bank account?

    There are three ways:

    1. Online: Submit an application online at allybank.com
    2. Phone: Call us at 877-247-ALLY (2559)
    3. Mail: Download the application that's right for you and mail it to the address on the application

  • How do I pay a bill?

    After you’ve set up who you want to pay (your payees):

    1. Select the Pay Bills tab in Ally Bill Pay
    2. Type in a payment amount and Scheduled Delivery Date for each bill
    3. If you have multiple Ally Interest Checking Accounts, pick an account to make the payment from
    4. Select the Make Payment button

  • How do I protect myself from an overdraft?

    You can link your Interest Checking Account to an Ally Online Savings Account or Money Market Account by calling us at 1-877-247-ALLY (2559). If you don’t have an Online Savings Account or Money Market Account, you can open one online or call us.

  • How do I raise my rate?

    When our current interest rate is higher than your interest rate, you can log in to your account and choose raise now on the Account Details page, chat with us online or call us at 1-877-247-ALLY (2559) to raise your rate.

    Since rates may change, be sure to take action the same day you see the rate you want. Please do not send your rate increase request via secure email — just call us and we'll be happy to help.

  • How do I return to my saved online application?

    1. Select Open an Account on the ally.com homepage
    2. On the Open an Account page, select I’ve already started an application
    3. Enter your Application ID and Application password that was emailed to you

    If you’re having problems, please call us at 1-877-247-ALLY (2559).

  • How do I upgrade my browser or operating system?

    If you are using an older browser or operating system, you may not be able to view all the features of ally.com. Choose your browser or operating system below and we'll take you to their site to upgrade.

    Microsoft®: Internet Explorer and Windows

    Mozilla Firefox®

    Safari® and Mac OS

  • How does Ally Bill Pay help me remember to pay bills?

    • eBills: receive online statements from billers directly in Ally Bill Pay. You can then pay after reviewing, or set up rules to pay automatically
    • Alerts: set up emails that alert you a few days before a bill is due
    • Automatic payments: pick a date to automatically pay a company or person on a regular basis
    • Payment confirmation: each time a payment is made, you will receive a confirmation. To see payment confirmation, go to the Payment Activity tab

  • How does Ally Bill Pay make paying bills easier?

    • The Financial Calendar: a monthly view of paid and scheduled bills
    • Alerts: let you know when bills are due and you receive them through email
    • Automatic payments: bills that you set up to be paid automatically on a recurring schedule (monthly, quarterly, etc.)
    • Payment confirmation: a unique confirmation number that proves you paid the bill
    • eBills: an online version of a bill statement that can replace paper bills

  • How long do online transfers take?

    Between Ally accounts

    Immediately

    Between a non-Ally and an Ally account

    3 business days

  • How long do test deposits take?

    Test deposits are part of the process when you designate a non-Ally bank account for online funds transfers. Typically, the entire process takes 3 business days. In most cases, you will see the test deposits appear in your non-Ally account the following business day.

  • How many deposits can I make each month?

    Make as many deposits as you want into these accounts:

    • Money Market
    • Online Savings
    • Interest Checking

    You can make an initial funding deposit into a certificate of deposit (CD) but you can’t add more money until maturity. Additional funds can be added at maturity and during the grace period.

  • How quickly do bills get paid?

    How quickly your bills get paid will be different for each payee — some can be paid the next day and some can take up to 4 days (when a paper check has to be sent).

    To make it easier for you, the Bill Pay calendar builds in the number of days for each payee automatically. The first available date, excluding weekends and federal holidays, will be the fastest a payment can be delivered to a payee.

    You’ll pick a Scheduled Delivery Date for each bill, based on the date you wish to pay the bill. This date will also be the day your account will be debited.

    Ally Bill Pay Tip: Paying bills a few days in advance of a bill’s due date — especially the first time you send a payment — can help you avoid a late fee. Keep in mind that we make every effort to deliver your payment by the Scheduled Delivery Date, but payments to some payees may take longer. For payments that are critical to you, we suggest you select a Scheduled Delivery Date at least 4 business days prior to your bill due date.

  • How will I add money to my Interest Checking Account?

    There are six ways to add money to your account:

    • Move funds online between Ally accounts
    • Make transfers online between your Ally account and your accounts at other banks that have been registered with Ally
    • Scan and submit your check images with Ally eCheck DepositSM
    • Direct Deposit from your paycheck or Social Security check, excluding IRAs
    • Wire transfer
    • Checks sent by U.S. mail (Please don't send cash)

  • How will I confirm a bill was paid?

    You'll receive an online confirmation for every payment made. A unique reference number will prove you made a payment.

    To view this information:

    1. Select the Payment Activity tab in Ally Bill Pay
    2. From the Actions column, select View
    3. View the payment’s unique reference number

    If a payment required that a paper check be sent to a payee, you can view the date the check cleared and a digital copy of the cleared check (when available) using the steps above.

  • I already have an Ally account. How do I set up a new non-Ally account to transfer funds?

    It’s easy, just follow these simple steps:

    1. Log in to your Ally online bank account
    2. From the left side of the page, select Transfer Funds
    3. Choose the Non-Ally accounts option
    4. Select the Manage Non-Ally Accounts tab, then the Add Account button

    We’ll ask you to provide the following information for the new non-Ally account:

    • Routing number
    • Account number
    • Account type

    We verify the ownership of your non-Ally account before it can be used for funds transfers. If you have questions at any point, we can help. Call us any time at 1-877-247-ALLY (2559).

  • I have forgotten my password or my username is blocked. What should I do?

    Forgotten password:

    1. Select log in from the homepage
    2. Enter your username then select continue
    3. Select I forgot my password next to the password field
    4. Choose whether you’d like your password hint emailed to you or if you’d rather change your password
    5. Select submit

    If you select to change your password, follow the steps provided.

    Blocked username:

    If your Ally Bank username is locked out simply call us 24/7 at 1-877-247-ALLY (2559) to have it reset.

  • I recently made a transfer between my Ally accounts. Where is my money?

    Transfers between your Ally accounts take place immediately.

  • I recently made a transfer from my Ally account to my non-Ally account. Where is my money?

    Transfers from an Ally account to a non-Ally account take 3 business days.

    How it works

    • Monday: Request a transfer by 7:30 pm ET (add an extra day for requests made after 7:30 pm)
    • Tuesday: We withdraw the money from your Ally account
    • Wednesday: We deposit the money into your non-Ally account

    Want to view a pending transfer?

    1. Log in to your Ally account
    2. Go to Transfers > Ally to non-Ally Accounts 
    3. Select Pending Transfers from the Display options 

    If you think there was a problem with your transfer, contact or call us 24/7 at 1-877-247-ALLY (2559).

  • I recently made a transfer from my non-Ally account to my Ally account. Where is my money?

    Transfers from an Ally account to a non-Ally account take 3 business days.

    How it works

    • Monday: Request a transfer by 7:30 pm ET (add an extra day for requests made after 7:30 pm)
    • Tuesday: We withdraw the money from your non-Ally account
    • Wednesday:  Log in to see the money deposited into your Ally account. You can withdraw the money (already earning interest) after 1 more business day
    • Thursday: Withdraw the money deposited into your account

    Want to view a pending transfer?

    1. Log in to your Ally account
    2. Go to Transfers > Ally to non-Ally Accounts 
    3. Select Pending Transfers from the Display options 

    If you think there was a problem with your transfer, contact or call us 24/7 at 1-877-247-ALLY (2559).

  • I'm not getting Sleeping Money alerts. How do I get them?

    Just make sure we have your correct email address by checking your profile online and making any necessary changes. You can also call us at 1-877-247-ALLY (2559) to reach a live person who can assist you with updating your email address. Once we have your correct email address, you'll receive Sleeping Money alerts if your money goes to sleep on you.

  • Is a signature card good for life?

    Yes, for the life of the account.

  • Is Ally Bank a different bank from GMAC Bank?

    Ally Bank used to be called GMAC Bank. It's the same bank. Deposits you made when we were GMAC Bank, along with any new deposits you make now that we are Ally Bank, are insured up to $250,000 per depositor. Read more about FDIC.

  • Is Ally Bank affiliated with Ally Financial?

    Yes, Ally Bank is part of the Ally Financial family of companies.

  • Is Ally Bank FDIC insured?

    Yes. Deposits at FDIC-insured institutions, like Ally, are insured up to $250,000 per depositor, per institution.

  • Is Ally Bank part of Ally Financial?

    Yes, Ally Bank is part of Ally Financial. Built on the foundation of GMAC Financial Services (a 90 year old company) Ally also offers mortgages, auto financing, and more. We're moving forward with a new mission and direction. It starts with our promise to keep our rates among the best, always. We won’t hide our fees, and you won’t see fine print or asterisks on ally.com. We’re focused on helping you save your money. So we have no account minimums: deposits or balances. It’s the right thing to do for customers. Want to know more?  Read the Ally Story.

  • Is Ally Bill Pay included with Ally's Interest Checking Account?

    Yes. Ally's free online bill pay is included with your Interest Checking Account— no additional enrollment is required. Once your new account is opened, you can take advantage of this secure, easy and environmentally-friendly way to pay bills.

  • Is my Ally Bank VISA ® debit card Personal Identification Number (PIN) different from my Automated Telephone Banking PIN?

    Yes, the two numbers are different. The first time you use the Automated Telephone Banking system, we will ask you to change your PIN. You can then reset the number to match your debit card PIN if you like.

  • Is my deposit insured?

    Yes. Ally Bank is insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. Deposits at FDIC insured institutions are now insured up to at least $250,000 per depositor.

  • Is Online Banking free?

    Yes.

  • Is there a minimum amount I have to deposit to get the Ally Ten Day Best Rate Guarantee?

    No, we don't require a minimum deposit open a CD or obtain the Ally Ten Day Best Rate Guarantee.

  • My password has failed, or I have forgotten it. What should I do?

    Select "Forgot Password," located beneath the box where you log in. You'll then be asked to enter the email address you used when creating the account. We'll email you a link with instructions to update your password within 24 hours. 

  • What are Ally's ATM fees?

    Ally doesn't charge fees to use ATMs nationwide. And, if you are charged ATM fees by other banks in the U.S., we'll automatically reimburse you at the end of your monthly statement period. To find a nearby ATM, use the Ally ATM & Cash Locator.

  • What are eBills?

    An eBill is an online version of a bill or statement that can replace a traditional paper copy. Many large companies, like your electric, phone, cable and major credit card companies have the ability to send you eBills.

    To receive eBills at Ally, you must already receive your bill online at the payee’s website. Ally will ask for the payee’s website credentials so we can log in on your behalf and set up your eBill.

  • What are Sleeping Money alerts?

    If you have a Money Market or Online Savings account, we send you email reminders to let you know when your money could be working harder. If your account has not had withdrawals for a certain amount of time, we tell you ways your money could be doing more—even if it means recommending you switch to another account, such as our No Penalty CD, to earn even higher interest. This is just one way we work hard at being a better bank for you.

  • What are test deposits, and why do I need to verify them?

    We use test deposits to protect the money and account information of our customers. When you designate a non-Ally account for online funds transfers, we make small deposits into the account and ask you to verify the amount of each deposit. This lets us know you own the account and that we have the correct routing and account numbers. It’s a standard practice in banking.

  • What are the current rates on certificates of deposit?

    You can view our current rates by visiting our High Yield Certificate of Deposit, Raise Your Rate Certificate of Deposit or No Penalty Certificate of Deposit pages. You can also call the Automated Telephone Banking System at 1-877-247-ALLY (2559). Rates may change frequently.

  • What can I do with my online bank account?

    You can:

    • Check your current Ally Bank account balance(s)

    • Transfer funds between an Ally Bank Interest Checking Account, Money Market Account and Online Savings Account and non-Ally accounts

    • See up to 18 months of account activity

    • Nickname your accounts

    • Use Ally Email to communicate securely with Customer Care for any questions about accounts and transactions

    • Change your personal information, such as your street address, email, phone, password, secret question, and telephone Personal Identification Number (PIN)

    • Search and find specific transactions

    • Use our free Bill Pay service to pay bills online

    • Place and/or remove stop payments

    • Open additional accounts

    • Download activity to Microsoft Money® or Quicken®

    • Request checks, deposit slips, and forms

  • What do I do if I forget my Automated Telephone Banking PIN?

    Simply log in to your account to reset your PIN. You can also call us at 877-247-Ally (2559), and we will reset your PIN right away.

  • What do I have to do to get the Ally Ten Day Best Rate Guarantee?

    Just open a CD account and fund it within 10 days to get the best rate we offer during that time.

  • What happens if a bill payment fails?

    If a bill payment fails, we’ll send an email to alert you.

    Common reasons payments fail:

    • The account number or payee address information is incorrect
    • The payee cannot accept payment until a bill has been posted
    • Your account status with the payee

  • What happens if a company or individual posts my payment later than the date I chose in Ally Bill Pay?

    If a payee doesn't post your payment on time, we'll work with them to resolve the issue — as long as:

    • The Scheduled Delivery Date you selected was before or on the bill due date
    • Your eligible account was in good standing with sufficient funds on the Scheduled Delivery Date you selected

    Call us 24/7 at 1-877-247-2559 (ALLY) and we’ll work with you to get your late fees reimbursed — up to $300 per late payment. Please see our Online Banking Services Agreement for more details.

  • What happens if you don't have a signature card for me?

    If for any reason we don't have a signature card for you, we're required by federal law to withhold taxes on the interest earned on each of your accounts. You have 60 days to sign your card before we start withholding taxes (backup withholding), and we cannot stop withholding until we have a card on file for you. We want to help, so we send out regular reminders letting you know your 60 days are almost up and that we don’t have a card on file for you.

  • What if I forget my PIN?

    Simply call us at 877-247-Ally (2559), and we'll send you a PIN reminder right away. If you need a new PIN, we can help you with that as well.

  • What if I need my money immediately?

    You can always choose to make a wire transfer. Call us at 1-877-247-ALLY (2559) and we’ll provide instructions to give your other financial institution. Contact them to make the transfer. We won’t charge you to wire funds in to us, but they might charge you to wire funds out.

  • What if I need to talk to someone?

    You can do that anytime with our 24/7 Customer Care Support at 1-877-247-ALLY (1-877-247-2559).

  • What if I think there’s been an error on my statement?

    While we make every effort to keep accurate records, if you feel we’ve made an error in any way, please call us at 877-247-Ally (2559). We’ll update any incorrect information promptly.

  • What if I'm a joint account owner?

    Federal law requires that we have a signature card for each authorized signer of an account.

  • What information do I need to open an Ally Interest Checking Account?

    All you'll need is your name, contact information, and social security number. If you're opening a joint account, you need that information for each account owner. If you already have an account with us, we'll ask for your online username and password, so we can securely identify you and pre-fill most of the application for you. Call us at 1-877-247-ALLY (2559) if you need these or to open your account by phone.

  • What is a CD ladder?

    Investing a large sum of money at one time? Instead of getting just one CD — one that either has a high rate and matures too far down the road or matures earlier but with a lower rate — a CD ladder is a way to open multiple CDs that mature at different times. This way, you have the option to access some of your original deposit each time a CD matures. If a CD matures and you don't need the money, you simply reinvest in a new CD with a longer term. By staggering maturity dates in this way, you ensure that you always have another chance to withdraw money.

    Benefits to creating a CD ladder:

    • Keeps your money constantly growing at high fixed rates

    • Gives you the opportunity to withdraw money at different times — just in case you need it

    • Gives you greater flexibility — if rates have gone up, you can reinvest some of your money at the higher rate

  • What is Ally Bank?

    Ally Bank is a subsidiary of Ally Financial and offers savings, CDs and checking accounts.

    Learn more about Ally Bank

  • What is Ally Bill Pay?

    Ally Bill Pay lets you pay bills securely, online one at a time or on a recurring schedule. You can pay a company or an individual (a payee) as long as you have an address for them.

  • What is Ally's 2 Year CD?

    Our 2 Year CD gives you a great rate when you fund your CD and the flexibility to lock in a better rate during the CD term. If you see our 2 Year CD rate go higher than what you have once during your term, you can give us a call to lock in that higher rate for the remainder of the term. It’s one more way we help you grow your money faster.

  • What is Ally's Raise Your Rate Certificate of Deposit?

    Our Raise Your Rate Certificate of Deposit is a high interest CD that gives you the flexibility of increasing your rate to our current interest rate if it goes up during your term.

    With our Raise Your Rate 2 year CD, you have the option to increase your interest rate once; with our Raise Your Rate 4 year CD you can increase your interest rate twice.

  • What is Bill Pay’s Financial Calendar?

    The Financial Calendar shows your upcoming bills as well as scheduled one-time and automatic payments occurring during the month. Bills and payments can be seen in the calendar. All of this helps you keep your finances organized.

    Note: The Financial Calendar allows you to view several months ahead but it’s only accurate up to 1 month in advance because automatic payments can only be projected that far.

  • What is the Ally Ten Day Best Rate Guarantee?

    The Ally Ten Day Best Rate Guarantee gets you the best rate we offer for your CD when you fund your CD within 10 days of opening or renewing your Ally account, including open or maturity date. It's just one more way we're making sure your money works hard and earns more.

  • What is the difference between an Online Savings Account and Money Market Account?

    The differences are their rates and the ways you can withdraw money from them. Both let you make unlimited deposits electronically, by wire, and by mailed check. Both also allow six electronic and telephone withdrawals and transfers per statement cycle — as limited by federal law — although a Money Market Account does provide more options for how you can make those transactions.

    To summarize:

    Our Online Savings Account usually has a higher APY and lets you withdraw via bank-to-bank online transfers only.

    Our Money Market Account usually has a lower APY but lets you withdraw money by debit card, check, and bank-to-bank online transfers.

  • What is the minimum deposit for an Ally Certificate of Deposit?

    There is no minimum deposit to open our High Yield Certificate of Deposit, Raise Your Rate Certificate of Deposit or No Penalty Certificate of Deposit.

  • What is the minimum deposit for opening an account?

    It's always $0 to open. There are also no monthly service fees.

  • What is the monthly maintenance fee on the account?

    We have no monthly maintenance fees whatsoever. To see what transaction fees we do change and why, just select the Fees tab on our Money Market Account and Online Savings Account pages.

  • What is the relationship between Ally Financial, Ally Bank and GMAC, Inc.?

    GMAC, Inc. has been renamed Ally Financial. The Ally brand was first introduced in May 2009 when GMAC Bank, Ally Financial’s wholly owned subsidiary, was renamed as Ally Bank, member FDIC. The brand has resonated very well with customers, so we have leveraged the Ally brand for the broader organization.

  • What should I do if my browser is rejected?

    If you are using an older browser version that no longer supports access to your online accounts, you will get a message saying that your browser does not meet specific security protocols. Just go to the Mozilla Firefox or  Microsoft home page and download the latest non–beta browser version.

  • What should I do if my card is lost or stolen?

    Call us at 877-247-Ally (2559) as soon as you discover your card is missing. We'll immediately cancel your card and issue a replacement. You can also write to us at:

    Ally Bank Customer Care
    P.O. Box 951
    Horsham, PA 19044

  • What types of certificates of deposit do you offer?

    We offer three types: a High Yield Certificate of Deposit with terms of 3, 6, 9, 12, 18, 36, and 60 months; 2 year and 4 year Raise Your Rate Certificate of Deposit that let you raise your rate during your term if our rates go up; and a No Penalty Certificate of Deposit with an 11 month term that has no early withdrawal penalty.

  • What's a signature card?

    It’s a card you sign when you open an account at any bank, including Ally. It identifies you as the owner of the account and allows your bank to conduct everyday banking business for you. Federal law requires banks to verify the identity of anyone who opens an account and to keep that information on file. A signature card helps fulfill these requirements, so we keep one signature card on file for each customer.

  • What's a signature card?

    It’s a card you sign when you open an account at any bank, including Ally. It identifies you as the owner of the account and allows your bank to conduct everyday banking business for you. Federal law requires banks to verify the identity of anyone who opens an account and to keep that information on file. A signature card helps fulfill these requirements, so we keep one signature card on file for each customer.

  • What's the difference between an Interest Checking Account and a Money Market Account?

    Both accounts give you easy access to your money and a competitive interest rate on your balance.

    Federal regulations limit the number of transactions (transfers or withdrawals) you can make from a Money Market Account to just six per monthly statement period. While you will receive checks and a debit card for those transactions, you won't have access to the free online bill pay service that comes with an Interest Checking Account. Remember, deposits are always unlimited and don't count towards your six transaction limit.

    With our Interest Checking Account, there's no limit on the number of transactions you can make. You'll also get the convenience of our online bill pay service for free. And as your checking balance grows, you could earn a higher interest rate.

  • When are deposits made with Ally eCheck DepositSM posted to my account?

    Ally eCheck Deposits made online before 4 pm ET Monday through Friday will post that evening. Ally eCheck Deposits made after 4 pm ET Monday through Friday will post the evening of the next business day. Please see our funds availability schedule in the Ally eCheck Deposit section of the Ally Deposit Agreement for more details.

  • When is interest posted, and how do I receive it?

    Interest is typically posted on the maturity date. It can, however, also be posted monthly, quarterly, semi-annually, or annually. You can request to receive it in one of three ways:

    • By official check
    • By internal transfer to another Ally Bank account
    • By external transfer to a registered non-Ally bank account

    To make your request, just call us at 877-247-Ally (2559) or write to us at:

    Ally Bank Customer Care
    P.O. Box 951
    Horsham, PA 19044

  • When is money to pay bills withdrawn from my account?

    Funds to pay bills are withdrawn from your account on the date you request—the Scheduled Delivery Date—the same day the payee should receive the payment.

  • When will I receive my new debit card or checks?

    Your free debit card will arrive in the mail within 10 business days after we receive your opening deposit. If ordered, free Ally standard checks will arrive in the mail within 5 business days after we receive your opening deposit.

  • When will I start earning interest?

    No later than the business day we receive your opening deposit.

  • When will transfers between internal Ally Bank accounts be credited?

    Immediately.

  • Where can I find Ally ATMs?

    You won't see an Ally branch or ATM, but you can use your Ally debit card at any ATM worldwide. Plus, if you use any ATM in the U.S., we'll automatically reimburse ATM fees charged by other banks at the end of your monthly statement period. To find a nearby ATM use the Ally ATM & Cash Locator.

  • Where can I find out how much interest I earned on my account?

    To see how much interest you earned on your account this year or last year:

    1. Log in to your Ally account
    2. Choose an account from the my accounts page
    3. Select the More Details link in the right hand column on your account details page

    The Interest YTD information is displayed on the right on your account details page and the Interest Prior Year information will be displayed below that if you earned interest on the account in the previous year.

  • Where can I mail my deposit?

    You can deposit a paper check by mail anytime at:

    Ally Bank

    P.O. Box 13625

    Philadelphia, PA 19101-3625

    Make sure the check is endorsed and made payable to you. You should also write "Deposit only" along with your account number on the back. Sorry, we do not accept cash.

    If you’ve used all of the pre-paid, self-addressed Ally Bank envelopes included with your welcome kit, just give us a call or request more online – they’re free!

  • Where can I obtain Ally's financial statements?

    Our financial statements are included in our quarterly and annual reports on Forms 10-Q and 10-K that are filed with the U.S. Securities and Exchange Commission. These documents are available at the SEC website or on our SEC Filings page.

  • Where do I mail my auto finance payment?

    Payment Processing Center  
    P.O. Box 78234 
    Phoenix, AZ 85062-8234

  • Which accounts allow transfers?

    You can make transfers to and from our:

    • Online Savings Account
    • Money Market Account
    • NOW Account
    • Interest Checking Account
    • CMG Accounts

    Note: Money cannot be transferred to or from a certificate of deposit.

  • Which accounts can I see and access online?

    All of them:

    • High Yield Certificate of Deposit

    • No Penalty Certificate of Deposit

    • Online Savings Account

    • Money Market Account

    • NOW Account

    • Interest Checking Account

  • Which Ally accounts can I use with Ally eCheck DepositSM?

    You can make deposits into your:

    • Ally Interest Checking Account
    • Ally Online Savings Account
    • Ally Money Market Account
    • Ally CD, if you haven't funded it yet (please check our daily deposit limits in the Ally Deposit Agreement)

  • Which interest rate will apply to my Interest Checking Account balance?

    Your account balance at the end of the day determines the rate we use to calculate your interest earned for that day. The interest you earn each day is then totaled and paid to you at the end of your monthly statement period. To see how your checking account balance can influence how much interest you earn, go to Interest Checking Rates, enter your average balance, then select Calculate.

  • Which internet browsers work best with the Ally Bank site?

    As of July 1, 2011, we support non-beta versions of the following browsers and platforms for accessing the Online Banking Services via Our Website: Windows (XP or Vista) or Mac OS X (Leopard or Snow Leopard).

    A compatible web browser that supports XHTML 1.0, SSL encryption, and Javascript. Many browsers work with our site, but the following work best:

    • Microsoft Internet Explorer 7 (Windows)

    • Mozilla Firefox 3.5 (Windows or Mac OS)

    Other browsers and platforms may also work, but We only support them minimally, if at all. Please use the versions noted for optimal display.

    Online Banking Services are not optimized for access via cellular telephones or mobile computing devices such as smart phones (e.g. iPhones & Android devices) and tablet devices (e.g. iPads & Xooms).

  • Who can I pay with bill pay?

    You can pay any company or person who has a valid U.S. account. Many well-known companies are already in our bill pay directory, making setup easy for you.

  • Who owns Ally Financial?

    View the ownership structure of Ally Financial in our Media Center.

  • Will Ally Bank products and services be different from what I'm used to?

    Yes, Ally Bank will be different—in a good way. That means 24/7 Customer Care Support, no minimum deposits and no minimum balances. We’ve also developed new products that give you more options, like our No Penalty CD and online statements. All without reducing our rates, which are always among the top. You can even compare our rates against our competitors. See how we stack up.

  • Will I be able to view or edit transfers made by a joint account holder?

    Either account holder can view pending transfers, but only the person who created the transfer can change or cancel it online. If you need to make a change, please check with account holder who created the transfer.

  • Will I pay a fee for using an ATM in a foreign country?

    If you use an ATM in a foreign country, you may be charged a fee of up to 1% of the transaction amount for the currency conversion and/or cross border transaction. Ally only reimburses ATM fees charged by other banks if the ATM is in the US.