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Popmoney® FAQs

  • What is Popmoney® and how does it work?

    Popmoney allows you to receive money or securely send money to people who have a U.S. bank account.

    Receive money

    You’ll receive an email or text message telling you someone sent you money and the steps needed to have it deposited directly into your own bank account.

    Send money

    All you need to send money is the recipient’s email address, mobile phone number or bank account information (bank routing number, account number and account type). Your recipients will receive an email or text message letting them know they have been sent money and the steps they need to take to have it deposited directly into their own bank account.

  • How can I use Popmoney®?

    There are a lot of good ways to use Popmoney:

    • Send money to children at college
    • Pay your babysitter, lawn care provider or cleaning service
    • Pay rent
    • Pay club or association dues
    • Send birthday, holiday or special occasion gifts using Make it Special email cards
  • Is Popmoney® secure?

    Yes, Popmoney is secure. We are serious about protecting your personal information.

    Be confident that all your transactions are protected by our Online Banking Guarantee.

  • How much does Popmoney® cost?

    We don’t charge for any of our Popmoney services.

  • Which accounts can I use to send money through Popmoney®?

    You can use your Ally Bank checking, online savings or money market accounts. Popmoney transactions will count toward your monthly savings or money market account transaction limits.

  • How do I sign up for Popmoney®?

    When you have online and mobile banking access to an Ally Bank checking, online savings or money market account, you can use Popmoney.

    You'll need to register your email address or mobile phone number 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 People.
    3. Select Preferences from the options on the left to register your email address or mobile phone number.
    4. Verify your phone number by entering the one-time code we send you.
  • How long does a Popmoney® deposit take to arrive or receive?

    For recipients who use Ally Bank:

    • Recipients with automatic deposit enabled will see the payment in their Ally Bank account in 1 business day.
    • Recipients who have not set up automatic deposit cannot receive a payment until they select the Ally Bank account they would like the payment deposited to. Once they provide it, the payment will be deposited within 1 business day.

    For recipients who don't use Ally Bank:

    • Recipients with automatic deposit enabled will see the payment in their bank account in 3 business days.
    • Recipients without automatic deposit cannot receive a payment until they provide us with their bank account information. Once they provide it, the payment will be deposited into their bank account within 3 business days.
  • How is Popmoney® different from other payments services like PayPal®?

    Unlike other payments services, Popmoney is offered by banks. No need for a separate account.

    Just log in to your online bank account to:

    • Send money securely from your Ally checking, savings or money market account
    • Receive money securely into your Ally checking, savings or money market account
    • Track all payment activity
  • What's the difference between Ally Bank Bill Pay and Popmoney®?

    You can use both Bill Pay and Popmoney to send money to friends and family. There are a few key differences between the two.

    Bill Pay

    • Your recipient will get a paper check in the mail, which will arrive in 3 to 5 business days
    • You need the physical address of your recipient
    • You can only use Bill Pay with an Ally Bank checking account and online and mobile banking access

    Popmoney

    • Your recipient will get an electronic payment, which will arrive in 3 business days after they accept the payment
    • You need your recipient's email address, mobile phone number or bank account information, including the bank routing number, account number and account type
    • You can use an Ally Bank checking, online savings or money market account and online and mobile banking access
  • Do my Popmoney® recipients see my bank account information?

    No. Your bank account information will always remain confidential. Your recipients will only see your first name, last name, the message you wrote for the payment and your email address or mobile phone number – depending on how you sent your payment.

  • What is a Popmoney® Automatic Deposit?

    Automatic Deposit is the fastest and easiest way for you to receive money. It allows you to designate one account into which incoming payments can be deposited automatically into the account you select. Whenever a deposit is made into the account, we'll let you know by email or text message when the funds become available. You can set up and edit Automatic Deposit settings in Preferences.

  • What happens when a Popmoney® payment expires?

    A recipient has 10 days from the Send Date to collect a payment or it expires. When this occurs, the funds are returned to the sender.

  • What are the differences between sending money by Popmoney® using an email or mobile phone number, and sending money using bank account information?

    When you use an email address or mobile phone to send money through Popmoney:

    • Recipients do not need to give you their bank account information
    • Recipients must choose the account where the funds will go

    When you use bank account information to send money through Popmoney:

    • Funds are directly deposited into recipients' accounts
    • Recipients do not have to take any action to complete transactions; however, recipients must share their bank account information with you
  • What if the person I'm sending a Popmoney® payment to doesn't use a supported cell phone carrier?

    If you send money to a person with an unsupported cell phone carrier, he/she will not receive a notification of the payment. You can only send a Popmoney payment through the following cell phone carriers:

    Acg Ntelos
    Alltel
    AT&T
    Boost
    Cincinnati Bell
    Nextel
    Sprint
    T-Mobile
    US Cellular
    Verizon
    Virgin Mobile USA

    If you already sent your payment, you’ll need to Cancel the payment. You can resend your payment using one of the following options:

    • Send your payment using an email address. Choose Email as the send method to enter the recipient's email address
    • Send your payment using bank account information. Choose Bank Account as the send method, and enter the recipient's bank account information (bank routing number, account number and account type)
  • Can I send money outside the U.S. using Popmoney®?

    No. You can only send money to people who have U.S. bank accounts. You can't send money internationally.

  • Can I stop a Popmoney® payment that I've sent?

    You’ll have the option to stop a payment anytime after the Send Date as long as the payment has not been deposited into the recipient's bank account.

    Once you log in to online banking:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay People.
    3. Select Activity from the options on the left to view a list of your scheduled payments.
    4. Depending on the available option, you can choose to cancel or stop a payment.
  • What is a recurring payment plan and how does it work in Popmoney®?

    A recurring payment plan allows you to set up a payment schedule. Once you log in to online banking:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay People.
    3. Select Send Money from the options on the left.
    4. Choose Make This a Recurring Payment and choose the frequency of the payment.
    5. To view your scheduled recurring payment plans, select Scheduled Payments.

    Note: Recurring payments scheduled on a holiday or a weekend will be sent the prior business day.

  • Can I cancel or edit a future-dated Popmoney® payment?

    Once you log in to online banking, you can cancel or edit a future-dated payment anytime before the Send Date:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay People.
    3. Select Activity from the options on the left.
    4. Select Scheduled Payments link.
    5. Select the payment you wish to cancel or edit.

    You can also cancel or edit the next payment in a recurring payment plan or the entire recurring plan at anytime before the Send Date.

  • Why should I send a personal message to my Popmoney® recipients?

    A personal message assures recipients that the Popmoney payment is from someone they know. It also lets them know the purpose of the payment.

    You can also choose to personalize your message with a customized template. Select Make it Special to customize your email with a unique design when sending gifts for special occasions, birthdays or holidays.

  • Should I inform my recipients that I'm using Popmoney® to pay them?

    It's a good idea to let your recipient know the first time you use Popmoney so they know what to expect. They will get an email or text message that tells them how to proceed in order to accept a Popmoney payment.

  • How do I find out my transaction limit for Popmoney®?

    Limits may vary. The system establishes your limit and displays it when you go through the process of entering a recipient and an amount when sending money.

  • How will I know if someone has sent me money using Popmoney®?

    You'll receive an email or text with instructions on how to collect the payment. If this is your first time receiving a payment using Popmoney, you'll need to register your email address or mobile phone number 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 People.
    3. Select Preferences from the options on the left to register your email address or mobile phone number.
    4. Select Overview, where under the To Do List you can view payments you have received.
  • Why didn’t I get a notification for a Popmoney® payment I was expecting?

    Here are a few possibilities:

    • The email address or mobile phone number that the sender used may need to be registered in your Popmoney profile. Once you log in to online banking:

      1. Go to the Main Menu  at the top right of the page.
      2. Select Pay People.
      3. Select Preferences from the options on the left to register your email address or mobile phone number.

    • You can only send Popmoney to a person’s mobile phone number if they use the following cell phone carriers:
    • Acg Ntelos
      Alltel
      AT&T
      Boost
      Cincinnati Bell
      Nextel
      Sprint
      T-Mobile
      US Cellular
      Verizon
      Virgin Mobile USA

  • How do I change my primary Popmoney® email address?

    Once you log in to online banking:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay People.
    3. Select Preferences from the options on the left to change your primary email or mobile phone number.
  • Why do I need to provide and verify my mobile phone number to use Popmoney®?

    This is a security feature that Popmoney uses to notify you of incoming payments. To ensure you receive these payments, you must register and verify your mobile phone number.

  • Why did one of my bank accounts disappear from Popmoney®?

    There could be a security concern. We will always notify you of this by email. If you have questions, please call us at 1-877-247-ALLY (2559).

  • What are possible Popmoney® scheduled payment or payment plan transaction statuses?

    Active/Pending: The payment or recurring payments have been scheduled and will be processed on the send date.

    Cancelled: The sender cancelled the payment or recurring payments.

    On Hold: Due to a security concern, we placed the payment or recurring payments on hold. Please call 1-877-247-ALLY (2559) to remove the hold.

    Once you log in to online banking, you can see a complete list of possible Popmoney transaction statuses:

    1. Go to the Main Menu  at the top right of the page.
    2. Select Pay People.
    3. Select Activity from the options on the left.
  • Why is there a hold on an email address, mobile phone number or bank account for one of my Popmoney® recipients?

    You may not send money to recipients' email addresses, mobile phone numbers or bank accounts that are suspended or on hold.

    For your protection, your recipients' information may be placed on hold or suspended for various reasons. For example, we may place a hold if you have not provided the additional verification required to send a payment.

    To remove a hold or if you have questions about a hold, please call us at 1-877-247-ALLY (2559).

  • If I can receive and pay a Popmoney® Pay Request/Invoice, why can’t I send one?

    Sending a Popmoney pay request or invoice to someone is a feature of Popmoney that isn’t offered at Ally Bank today; however, Ally customers may receive pay requests from another user in the Popmoney network at another bank.