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Bill Pay FAQs

  • What is Ally Bank Bill Pay?

    Ally Bank Bill Pay lets you securely pay bills with your Interest Checking account using online or mobile banking.

    • Pay a company or an individual
    • Make one-time payments or set up recurring payments
    • Receive electronic versions of your bills (eBills)
    • View a projected balance that includes upcoming scheduled payments
  • Is Bill Pay free?

    Yes. Bill Pay is free with your Ally Bank Interest Checking account.

  • What are the benefits of using Bill Pay?

    There are several benefits of using Bill Pay:

    • Convenience and security: Pay all of your bills securely in one place
    • Mobile banking: Pay your bills anytime, anywhere
    • eBills: Opt to receive an electronic version of your bill
    • Schedule recurring payments: Set up automatic payments according to your preferred schedule
    • Alerts: Get reminders about bill due dates and payment status
    • Calendar: Keep a monthly view of paid and scheduled bills
    • Projected balance: View future account balance based on your available balance and scheduled payments
  • Who can I pay with Bill Pay?

    You can pay any company or person that has a valid U.S. address. Many well-known companies are already payees in our Bill Pay system, making setup easy for you.

  • Which browsers work best with Bill Pay?

    For best results we recommend you use:

    • Internet Explorer® 9 or higher (Windows®)
    • Mozilla® Firefox® (latest version)
    • Google Chrome™ (latest version)
    • Safari® 6.1 or higher (Mac®)
  • How do I get started with Bill Pay?

    Bill Pay is free with an Interest Checking Account. To get started, 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 online banking.
    3. Go to the Main Menu  at the top right of the page.
    4. Select Pay Bills.
    5. Type in the name of anyone you want to pay in the Add a payee field, or choose to Browse Payees to open the directory.
    6. Enter the payee details then choose Submit.
    7. Type in an amount, pick a date and choose the account you'd like to use to pay your bills if you have multiple Ally Bank Interest Checking Accounts.

    Once you set up payees, you can schedule and make payments, set up bill alerts and view bill details online.

  • How do I pay a bill in online banking?

    Once you log in to online banking:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay Bills.
    3. Locate or manually enter the Payee that you want to pay.
    4. Enter how much you want to pay and the Bill Pay calendar automatically displays the first available date, excluding weekends and federal holidays, the payee will receive the payment.
    5. Choose the Pay from Account if you have multiple Ally Bank Interest Checking Accounts.
    6. Select Make Payment.
  • How do I set up or edit alerts for a Bill Pay payee?

    Once you log in to online banking:

    1. Go to the Main Menu at the top right of the page.
    2. Select Payee Options.
    3. Select Manage Alerts.

    eBill enabled payees will have additional options for alerts, such as:

    • New Bill Notice
    • Bill Due Warning
    • eBill payment not scheduled warning
    • eBill not delivered warning
  • Can I set up bills to be paid automatically?

    Yes. Bill Pay offers 2 types of automatic payments to let you customize scheduled delivery dates, payment amounts or cancel scheduled payments.

    Recurring 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 payments towards:

    • Vehicles
    • Mortgages
    • Rent
    • Student loans

    Automatic eBill payment

    You can 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 may vary month to month, such as payments towards:

    • Credit cards
    • Utilities
    • Phone
  • How do I set up recurring payments in Bill Pay?

    Once you log in to online banking:

    1. Go to the Main Menu at the top right of the page.
    2. Select Pay Bills.
    3. Locate your payee on either the Payees or Make a Payment page.
    4. Under Payee Options, select Setup Automatic Payment.
    5. Enter the following information:
      • Pay From Account
      • Payment Amount
      • First Scheduled Delivery Date – This is the date of your first payment. Whatever frequency you select will be calculated from this date.
      • Frequency
      • Duration – You can end recurring payments on a fixed date or pay indefinitely until you cancel the recurrence.
  • What if a recurring payment falls on a weekend or holiday?

    Payments that fall on a holiday or weekend will be made the previous business day. For example, if a payment falls on a Saturday, it will be paid on Friday.

  • How do I edit a recurring payment series?

    Once you log in to online banking:

    1. Go to the Main Menu at the top right of the page.
    2. Select Pay Bills.
    3. Locate your payee on either the Payees or Make a Payment page.
    4. Under Payee Options, select Edit Automatic Payment.
    5. Now you can edit the following options:
      • Payment Amount
      • Pay From Account
      • Frequency
      • Duration

    If you want to change the First Scheduled Delivery Date for the entire series – you’ll need to cancel the series and then create a new recurring payment series for that payee.

  • How do I place a stop payment in Bill Pay?

    Once you log in to online banking:

    1. Go to the Main Menu at the top right of the page.
    2. Select Pay Bills.
    3. Select Activity from the options on the left.
    4. Find the payment and select View. As long as the check has not cleared, the stop payment option will be on the bottom of the page.
    5. Select a reason for stop payment.
    6. Select Stop This Payment.

    Keep in mind:

    • As long as the check has not cleared, we will process the stop payment within 24 hours.
    • Once the stop payment processes, you’ll receive a confirmation email.
    • There’s no fee to place a stop payment on a Bill Pay check.
    • The payee may still receive the check and try to cash it. We are not responsible for any fees incurred as a result of the stop payment on a Bill Pay check.
  • How will I confirm a bill was paid?

    You'll receive an online confirmation number for every payment you make. The unique reference number will prove you scheduled a payment.

    You can view a payment's unique reference number once you log in to online banking:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay Bills.
    3. Select Activity from the options on the left.
    4. Select View from the Actions column.

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

    Please call us at 1-877-247-ALLY (2559) if you need additional proof of payment.

  • How do I view or print a copy of a cleared Bill Pay check?

    If a payment required that a paper check be sent to a payee, you can view or print a digital copy of the cleared check (when available). Once you log in to online banking:

    1. Go to the Main Menu at the top right of the page.
    2. Select Pay Bills.
    3. Locate your payment on the Activity page.
    4. In the Actions column, select View.
    5. On the Payment Details page, select the View Check Image link.
      • View the back and the front of a cleared check, or
      • Print the check copy by selecting the Print option from your browser.
  • How quickly do bills get paid?

    This will be different for each payee. Some can be paid the next day and others can take up to 3 – 5 business days (when a paper check has to be sent).

    When you go through the process of paying a bill, the Bill Pay calendar tool displays the first available pay date for each payee. The first available date, excluding weekends and federal holidays, will be the fastest a payment can be delivered to a payee. You can also view delivery times from the Payees tab.

    You'll select 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.

    Scheduling payment dates a few days before they are due – especially the first time you send a payment – ensures enough time is allotted for processing your payment. While we make every effort to deliver your payment by the Scheduled Delivery Date, payments to some payees may take longer.

  • 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 check the status of a bill payment?

    You can view payments that have been paid, scheduled, canceled or failed.

    Once you log in to online banking:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay Bills.
    3. Select Activity from the options on the left.

    You can check payment and payee details like:

    • Amounts
    • Scheduled delivery dates
    • Pay from accounts you used to pay a bill
  • When is money to pay bills withdrawn from my account?

    Funds to pay bills are withdrawn from your account on the Scheduled Delivery Date that you select. This is the same day the payee should receive the payment.

  • What do I do if my payment posted late or my payee never received payment?

    First, you should verify the following information:

    • You entered the correct account number and details for the biller when setting up the payee
    • You scheduled the payment on or before the due date
    • Your Ally Bank account was in good standing and had a sufficient balance on the Scheduled Delivery Date

    Once you've verified that your payment information was correct, call us at 1-877-247-ALLY (2559) and we'll help you resolve the issue.

  • Do you reimburse late fees as a result of a company or individual posting my payment later than the date I chose in Bill Pay?

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

    • The Scheduled Delivery Date you selected was on or before the bill due date.
    • The checking account you used to pay your bills was in good standing with sufficient funds on the Scheduled Delivery Date you selected.
  • 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’s an eBill?

    An eBill is an electronic version of your paper bill or statement that you can view and pay online. 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 Bank, you’ll need to enter your login information for that payee's website exactly as you would if you were accessing your account at their website. Once we have your login ID and password for that payee on file, we'll go to your payee's website and retrieve your bill for you each month.

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

    Once you log in to online banking:

    1. Go to the Main Menu at the top right of the page.
    2. Select Pay Bills.
    3. Select Pay Bills, eBills, or Calendar from the options on the left to view upcoming bill due dates.

    You can also know when your bills are due by setting up Alerts.

  • 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.