Help Center

Ask a question

Bill Pay FAQs

  • 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 are the benefits of using Bill Pay?

    • 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

    The most commonly used Bill Pay features are also available in Mobile Banking.

  • 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 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
  • 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.

  • Is Ally Bill Pay free?

    Yes, Ally Bill Pay is free with your Interest Checking Account.

  • How do I get started with Bill Pay?

    Bill Pay is free with an Ally Interest Checking Account. To get started with 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. The most commonly used Bill Pay features are also available in Mobile Banking.

  • How do I pay a bill in Online Banking?

    To pay a bill online:

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

    The most commonly used Bill Pay features are also available in Mobile Banking.

  • 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
  • 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.

  • 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 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?

    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
  • 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.

  • 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 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 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.

  • 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
  • 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.