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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. 

A double line of defense against accidental overdrafts.

Use Overdraft Transfer Service or  CoverDraft SM  service as your fee-free safety net. Or, use them both together for even more coverage.

Get paid before payday with early direct deposit.

Access your money up to two days earlier. Plus, you can increase your CoverDraft protection from $100 to $250 after two months of direct deposits. 

Boost your savings with Round Ups by saving when you spend.

When you have a checking and Online Savings Account with us, we can round up to the nearest dollar, then transfer the difference 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.

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.

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.

Manage your debit card. 

Define how, when, and where your Ally Bank Debit Mastercard® 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

...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).

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.

Explore Life Stages

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Still have questions? Visit our Help Center.