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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.

  • 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 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 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?

    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?

    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 Scheduled Delivery Date that you select. This is the same day the payee should receive the payment.

  • What can I do if I’ve received a late fee 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?

    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.