Interest Checking Account
Make everyday banking count.
Annual Percentage Yield
% Less than $15,000 minimum daily balance
Everything you expect from a checking account, and then some.
We reward you for banking with us, not the other way around.
Go fee-free with no monthly maintenance or overdraft fees
Access 43,000+ no-fee Allpoint® ATMs ; we reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide
Stop guessing and stay ahead of expenses with spending buckets
Get paid up to 2 days sooner with early direct deposit
Protect against accidental overspending with a double line of defense using Overdraft Transfer Service and CoverDraft℠ service
The cash is in the bag (or bucket).
Like digital envelopes, spending buckets set money aside for ongoing expenses like rent and groceries.
Similar to our popular savings buckets , they give you a clearer picture of your spending habits – and an opportunity to create better ones.
Our Interest Checking account is made for wherever you are.
Your money, FDIC-insured.
Deposits are insured by the FDIC up to the maximum allowed by law.
Manage your debit card.
Lock, set notifications, and limit your spending within our mobile app.
Deposit checks remotely with Ally eCheck DepositSM.
All you need is your smartphone and the check. Take a photo and you’re all set.
Send and receive money – no extra app needed.
Use Zelle® for a fast, safe, and easy way to pay your friends and family.
Fees, a short story.
You shouldn't be nickel and dimed for using your own money.
There's a lot we don't charge for
Monthly maintenance fees
Low daily balance fees
Incoming wires (domestic and international)
...and we won't hide the fees we do have.
Get to know every aspect of this account before you sign up.
Check out our Straight Talk Product Guide (PDF).
Get more for your money.
Compare the cost of banking somewhere else.
What you should know.
Our Annual Percentage Yields (APYs) are accurate as of . Keep in mind, these rates are variable and may change after the account is open. Fees may reduce earnings. The APYs for other banks are provided by mybanktracker.com and are accurate as of . The APYs in this table are for the state of California.
Bank better, starting now.
Get your account up and running in minutes.
Tell us about yourself.
We’ll need some personal info, like your address and Social Security number.
Add money to your account.
The faster you fund, the sooner you’ll earn interest. No minimum deposit required.
Enjoy our award-winning experience.
Start exploring (and enjoying) everything we have to offer.
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