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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.
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)
Both accounts give you easy access to your money and a competitive interest rate on your balance.
Money Market Account Federal law permits limiting the number withdrawals and transfers you can make from this account to just six per monthly statement cycle. ATM withdrawals are unlimited.
While you will receive checks and a debit card for those transactions, you won't have access to the freeonline bill pay service that comes with an Interest Checking Account. Remember, deposits are always unlimited and don't count towards your six transaction limit.
You'll also get the convenience of our online bill pay service for free. And as your checking balance grows, you could earn a higher interest rate.
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.
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.
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.