Other FAQs
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Can I deposit items such as traveler’s checks and money orders using Ally eCheck DepositSM?
Some items can't be deposited using Ally eCheck Deposit, as stated in the Ally Deposit Agreement:
- Checks payable to any person or entity other than you
- Check containing alterations to any of the fields on the front of the check
- Fraudulent checks, or checks that you should have known were fraudulent
- Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer
- Checks from financial institutions located outside of the U.S.
- Checks that are not payable in U.S. dollars
- Substitue checks (as defined in the Federal Reserve's Regulation CC, 12 C.F.R. Part 229)
- Remotely created checks, as defined in Regulation CC (checks that, among other things, do not bear the signature of the person on whose account the check is drawn)
- Travelers checks, savings bonds, money orders or postal money orders
- Non-negotiable instruments, such as promissory notes
- Checks drawn on any of your Ally account(s)
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Can I fund a CD using Ally eCheck DepositSM?
Yes, you may use Ally eCheck Deposit to fund a new CD. If you have multiple checks, you must submit all of them by 4 pm ET on the same business day and we’ll apply the total amount to your new CD.
Please see the Ally eCheck Deposit section of the Ally Deposit Agreement for daily deposit limits.
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Does Ally eCheck DepositSM work on a Mac?
Yes, you can learn about special Mac settings in our Ally eCheck Deposit Help. -
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
- Use the direct deposit form to set up your paycheck or Social Security deposits. Download form
- Wire transfer
- Checks sent by U.S. mail (Please don't send cash)
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How do I deposit money into my account?
There are six ways to deposit money into your Ally Bank 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
- Use the direct deposit form to set up your paycheck or Social Security deposits. Download form
- Wire transfer
- Checks sent by U.S. mail (Please don't send cash)
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How do I fund my new account?
There are four ways to fund 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
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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
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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
- Use the direct deposit form to set up your paycheck or Social Security deposits. Download form
- Wire transfer
- Checks sent by U.S. mail (Please don't send cash)
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What do I need to use Ally eCheck DepositSM?
To use Ally eCheck Deposit, you need:
- A broadband Internet connection
- Windows 7, Windows Vista, Windows XP or Mac OS X
- Internet Explorer 7, 8 or 9, Mozilla Firefox 2.0 and up, Safari 3.1 and up
- Java version 1.6.0_24 or higher
- Your browser set to accept cookies from third parties
- A TWAIN compliant scanner
- Your scanner driver installed according to the manufacturer's instructions
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What happens after I make my deposit?
We’ll send you an email within 1 business day with the status of your deposit and information about when your funds will be available. Once the deposit is posted to your account, you begin earning interest on those funds immediately. Please see our funds availability schedule in the Ally eCheck Deposit section of the Ally Deposit Agreement for more details. -
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 my money available to me after I deposit a check?
Existing customers, whose accounts have been open for more than 30 days:
- For U.S. Treasury and Ally checks, all funds are available on the next business day
- For all other checks drawn on any other U.S. financial institution other than Ally Bank, Cashiers, Certified, Teller’s, Traveler’s, Federal, State or Local Government, and US Postal Money Orders checks:
- $200 is available on the next business day
- Up to $4800 is available on the 2nd business day
- Amounts over $5000 are available on the 7th business day
New customers, whose accounts were just opened within the last 30 days:
- For U.S. Treasury checks:
- Up to $5000 is available on the next business day
- Amounts over $5000 are available on the 9th business day
- For Cashiers, Certified, Teller’s, Traveler’s, and Federal, State and Local Government, and US Postal Money Order checks, all funds are available by the second business day
- For any other checks, all funds are available on the 7th business day
Checks deposited by customers with a history of overdraft activity may be subject to a seven business day hold.
