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What you should know.
Our Annual Percentage Yields (APYs) are accurate as of . No minimum balance required to earn APY. 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.
A tier is a range of account balances.
Our balance tiers are:
Less than $5,000
Between $5,000 and $24,999.99
$25,000 or more
The APY we pay is based on the tier in which your end-of-day balance falls. APYs are variable and subject to change.
Fees, a short story.
You shouldn't be nickel and dimed for using your own money.
No. We don't accept cash deposits. However, there are several ways you can make a deposit into your account.
Remote check deposit with Ally eCheck Deposit℠
Online transfers and direct deposit
Wire transfers and mail
There are several ways you can add money to your accounts. You can transfer money from another bank or an Ally Bank account. We also offer Ally eCheck Deposit℠ to deposit checks. You can also send a wire transfer or mail checks to:
P.O. Box 13625
Philadelphia, PA 19101-3625
Make sure checks are properly endorsed on the back with For Deposit Only and the signatures of all payees. Please don't send cash.
You can also set up direct deposit with your employer. Direct Deposit (PDF)
Your debit card and initial check order will arrive in the mail within 10 business days after we receive your opening deposit.
When re-ordering standard checks, after you submit the request your checks should arrive in 10 business days.
Please call us at 1-877-247-2559 if you don't receive your debit card or checks within 10 business days.
Our savings account includes buckets and boosters, designed to help you organize and optimize your savings. Like digital envelopes, savings buckets help you organize whatever you're saving for without needing multiple accounts. Boosters like Surprise Savings and Round ups are money-saving tools to help you reach your goals faster.
Our money market account doesn't have buckets and boosters, but does offer a debit card and checks.
No, because the two account types include different features, and utilize different ways of accessing funds. Instead, a new Money Market Account must be opened. Then, you can choose to keep both accounts, or request to close the account you no longer want.
Both accounts give you easy access to your money and a competitive interest rate on your balance.
We limit certain types of withdrawals and transfers money market accounts to 10 per statement cycle. These limited transactions include things like Online and Mobile Banking transfers (between Ally Bank accounts or to a third party), Overdraft Transfer Service, checks, and point-of-sale transactions (such as debit card purchases).
While you will receive checks and a debit card for a Money Market Account, you won’t have access to the free online bill pay service that comes with a Spending Account. Remember, deposits are always unlimited and don’t count towards your transaction limit.