Interest Checking Account


Interest Checking done right

  • No monthly maintenance fees
  • 24/7 live customer care - talk to a real person
  • Use any Allpoint® ATM in the U.S. for free, plus we reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide
    Find ATMs
  • Deposit checks remotely with Ally eCheck Deposit℠
  • Send someone money with Popmoney®
  • Protect your legacy. Open this account for a Trust. Learn more

Want to know more? Download our Straight Talk Product Guide

Everything you need and want from a bank

Online and mobile banking services, a debit MasterCard®, standard checks, online Bill Pay and postage-paid deposit envelopes are some of the features included at no charge.

Send money the simple way

Popmoney lets you send money using an email address, mobile phone number or bank account information.


Get more for your money

We offer rates that are consistently competitive.

See how we compare

    Estimate your earnings

    Daily Balance
    Annual Percentage Yield APY
    Estimated Earnings
    for 12 months

      What we're showing you

      Our Annual Percentage Yields (APYs) are accurate as of 10/22/2016. Keep in mind, these rates are variable and may change after the account is opened. Fees may reduce earnings.

      The APYs for other banks are provided by and are accurate as of 10/21/2016. The APYs in this table are for the state of California.


      No surprises

      Everyday services and transactions are free with Ally Bank:

      The following services and transactions are available for a fee:

      Up to 1% of the transaction
      Overdraft item paid or overdraft item returned (maximum 1 fee per day)
      Rush delivery of debit cards or other items
      Overnight Bill Pay (delivery by mail)
      Same-day Bill Pay (electronic delivery when available)
      Outgoing wires (domestic only; we don't offer outgoing international wires)
      $25.00 per hour

      Ally Bank

      It's good to be different

      We're an online bank, which means we don’t have physical bank locations. By eliminating the costs associated with traditional brick-and-mortar banks, we can offer great rates and outstanding customer care.

      With Ally Bank, you get everything you expect from a traditional bank and more:

      • Peace of mind. No hidden fees. No maintenance fees. No minimum balance required
      • Make deposits. Deposit checks with Ally eCheck Deposit℠ or ACH transfers
      • Move money. Transfer funds between your Ally and non-Ally accounts, and pay anyone with Popmoney
      • Get cash. Use any Allpoint ATM in the U.S. for free, plus we'll reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide. Find an ATM
      • Keep track. Access your account anytime, anywhere with online and mobile banking
      • Pay bills. Set up one-time or recurring payments, paid directly from your checking account

      Learn more about the benefits and conveniences of Ally Bank.

      Live customer care
      always available

      Use any Allpoint ATM in the U.S. for free

      5 Years
      "Best Online Bank" 5 years in a row
      MONEY® Magazine 2011-2015

      When you want to build a better financial future

      Whether you're starting to save or planning for retirement, we offer you the resources and the tools that can help you stay on track in any life stage.

      • Starting to Save

        Our Emergency Savings calculator can help you decide how much to put away for those unexpected costs.

      • Saving as a Family

        Use our Saving for the Future calculator to identify how much to save toward your goals.

      • Planning for Retirement

        Find out if you're on track to reach your retirement goals with our See How You Compare tool

      Customer Reviews

      Don't just take our word for it

      Average rating 4.4

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