Ally Bank
  • 1-877-247-2559
  • Open 24/7

Interest Checking Account

Make everyday banking count.

Annual Percentage Yield


Less than $15,000 minimum daily balance


$15,000 minimum daily balance
Photo of Nina. Ally Employee since 2015.


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 money to, or receive money from, friends and family with a bank account in the U.S. quickly and securely with Zelle®
  • Protect your legacy. Open this account for a Trust. Learn more
  • EMV chip technology

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.
Pay friends and family with just an email or text

A Simple Way to Send Money

Zelle® lets you send money to friends and family with a bank account in the U.S. using an email address or U.S. mobile number.


Get more for your money

We offer rates that are consistently competitive.

See how we compare

    Estimate your earnings

    Annual Percentage Yield Estimated Earnings for
    Estimated Earnings

    What we're showing you

    Our Annual Percentage Yields (APYs) are accurate as of 07/20/2019. 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 07/19/2019. 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 Bank accounts or accounts at other institutions – you can also use Zelle® to pay friends and family with a bank account in the U.S. using an email address or U.S. mobile number.
    • 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

    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

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    Average rating 4.4

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