Ally Bank
Interest Checking Account
Make everyday banking count.
Annual Percentage Yield
% Less than $15,000 minimum daily balance
A checking account that gives you more.
We reward you for banking with us, not the other way around.
Deposit checks remotely.
With Ally eCheck Deposit℠ you can deposit checks right from your smartphone. Just snap a photo and you’re good to go. Plus, watch your money grow fast with interest compounded daily.
Move money easily.
Send and receive money with people you know using Zelle®, without monthly maintenance or service fees.
Save when you spend with Round Ups.
Access a special savings booster when you have a checking and Online Savings Account with us. We’ll track transactions we can round up to the nearest dollar, then transfer to your savings.
Features offered with every Ally Interest Checking account.
Certified by Bank On for meeting the National Account Standards as a safe, low-cost, low-fee account.
Open in the name of a Trust.
Offer flexibility and security for the ones you care about most.
Your money, FDIC-insured.
Deposits are insured by the FDIC up to the maximum allowed by law.
No monthly maintenance fees.
Don’t expect any sneaky monthly maintenance fees with us.
No minimum balance requirements. Ever.
Open your account with any amount. Plus, we don’t penalize you or charge fees based on your balance.
43,000+ no-fee Allpoint® ATMs.
Use any Allpoint® ATM in the U.S for free, and we reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide.
Debit card controls.
Define how, when, and where your Ally Bank debit card is used.
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.
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
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Monthly maintenance fees
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Overdraft item fees
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Low daily balance fees
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Copies of online statements
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Incoming wires (domestic and international)
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Postage-paid deposit envelopes
...and we won't hide the fees we do have.
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$7.50
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Expedited delivery
$15
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Outgoing domestic wires
$20
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$25
per hour
Get to know every aspect of this account before you sign up.
Check out our Straight Talk Product Guide (PDF).
Bank better, starting now.
It only takes a few minutes to open an account.
1. Tell us about yourself.
We'll need some personal details like your address, contact information and social security number.
2. Fund your account.
There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn interest.
3. Enjoy our award-winning experience.
Get online access right away and explore everything we offer as well as other ways we can help you reach your goals.
Build a better financial future.
Whether you’re just starting out or nearing retirement, we’ve got resources and tools to help you at any life stage.
The reviews are in.
People like it here. We think you will, too.
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FAQs
We have answers.
Still have questions? Visit our Help Center.