Debit Cards & Checks FAQs
FAQs
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Currently you can use Google Pay on mobile devices with Android 4.4 (KitKat) or higher.
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Instead of using your debit card number, Apple Pay assigns a unique number to your device that's used to process purchases. Also, access to Apple Pay is protected by biometrics or a passcode. If the merchant asks for the last 4 digits of your card after you make a purchase, use the last 4 digits of the Device Account Number. You can find this under your Ally Bank debit card number in your Apple Pay account.
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The EMV chip adds an extra layer of security to your in-store debit card purchases. The EMV chip stores cardholder information and provides additional encryption when used at chip-enabled terminals.
To use, simply insert your card face up in the terminal and leave it there while the transaction is processed. Once your transaction is complete, you'll see an alert on the terminal when it's okay to remove your card.
You can still swipe your card for debit purchases at non chip-enabled registers or anywhere Mastercard is accepted.
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If you added your Ally Bank Debit MasterCard® to Google Pay first, then it's already the default payment method. If not, you can change the default card in the Google Pay app on your phone.
Select the Google account associated with your Google Pay information, then tap the card you want to use and select Set as default card. Or, select and drag the card to the default card section at the top of the app's Home screen.
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Currently you can use Microsoft Wallet on any mobile device, but if you want to use the tap to pay feature, you’ll need a Windows supported phone with Windows 10 Mobile software.
See the latest list of supported phone at www.microsoft.com/wallet .
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Samsung Pay doesn't have the option to select a default card. When you open the Samsung Pay app, the most recently used, viewed or added card will display. To choose another card, swipe left or right.
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Google Pay works with devices using Android 4.4 or higher that have Near Field Communication (NFC) and Host Card Emulation (HCE) support, while Samsung Pay works with certain Samsung devices and uses Magnetic Secure Transmission (MST), as well as NFC technology.
Both offer a very similar experience and are equally secure. To learn more about the technologies they use and which may be better for you, visit Samsung.com/pay or Android.com/pay.
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If you added your Ally Bank Debit MasterCard® to Apple Pay first, then it’s already the default payment method. If not, you can change the default card in your Wallet app:
On iPhone:
- Select your Ally Bank Debit MasterCard®
- Hold your finger on the card and drag it to the front of the cards in the Apple Pay section
On iPad:
- Select Default Card under Transaction Defaults
- Choose your Ally Debit MasterCard®
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Currently you can use Samsung Pay on:
Galaxy S7 edge
Galaxy S7
Galaxy S7 active
Galaxy S6 edge+
Galaxy S6 edge
Galaxy S6 active
Galaxy S6
Galaxy Note 5 -
Our 24/7 Fraud Service Center will automatically send you an email or text if we detect suspicious activity on your Ally Bank Debit MasterCard®. You can verify the transactions with a quick reply, or get in touch with us if you don’t recognize the charge.
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When we detect suspicious activity on your Ally Bank Debit MasterCard®, our 24/7 Fraud Service Center will automatically send you an email or text notice asking if the transaction is fraudulent. You can verify the transactions with a quick reply, or get in touch with us if you don't recognize the charge.
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We monitor your transactions and try to alert you about possible fraudulent activities by text or email. If the transaction is valid, you can verify the purchase and continue using your debit card. If it's a fraudulent transaction, you can report it by following the directions in the text or email we send.
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When we detect possible fraud, you’ll receive the following alerts:
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Text will come from “86975”
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Email alert will come from: FraudServiceCenter@alerts.fraudservicecenter.com
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The Fraud Service Center will call from 855-706-1012
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There's no need to sign up. You’re automatically enrolled when you have an Ally Bank Debit MasterCard®.
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We will notify you at the verified email or phone number connected to your account.
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If you have more than one card added to Microsoft Wallet and would like to choose Ally Bank Debit MasterCard® as your default, simply tap on the card and select Set as my tap to pay card.
Keep in mind, if you add Ally Bank Debit MasterCard® to Microsoft Wallet first, then it's already the default payment method.
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On ally.com:
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Log in and head to your account
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Select Manage next to your card number in account details
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Slide the toggle to “on”
On our app:
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Log in and select Menu
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Choose Debit Card
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Slide the toggle to "on"
If you lock the card, we won't allow purchases or withdrawals until you unlock it. This excludes any recurring payments or withdrawals from your card, such as recurring bill payments.
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Absolutely! You can use your debit card practically anywhere you want. Set a travel notice before you go by giving us a call at 1-877-247-2559 .
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To ensure no interruptions of service when traveling internationally, please call us at 1-877-247-2559 to set up a travel notice for your account.
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Yes. Your debit card PIN is different from your telephone banking PIN unless you’ve made them the same. If you make these numbers the same, know that when you change one the other is unaffected.
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You can order a replacement online or in our app.
On ally.com:
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Log in and head to your account
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Select Manage next to your card number in account details
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Select Replace Card
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Choose “damaged” as the reason
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Submit your order
On our app:
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Log in and head to your account
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Select Manage Debit Card under activity
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Select Replace Debit Card
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Choose “damaged” as the reason
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Submit your order
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The first thing we recommend is to temporarily lock your card.
On ally.com:
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Log in and head to your account
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Select Manage next to your card number in account details
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Slide the toggle to “on”
On our app:
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Log in and select Menu
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Choose Debit Card
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Slide the toggle to "on"
If you lock the card, we won't allow purchases or withdrawals until you unlock it. This excludes any recurring payments or withdrawals from your card, such as recurring bill payments.
You can order a replacement online or in our app and report it lost or stolen. We’ll cancel your card and send you a new one.
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The expiration date is located near the bottom on the front of your debit card. We'll notify you at least 60 days before it expires and reissue you a new debit card with a new expiration date. You can use your current debit card until the last day of the month that it expires.
If you've enrolled in a mobile wallet with your current card, you'll need to re-enroll with your new debit card information. Once it's activated, your old debit card will automatically deactivate. You'll need to securely dispose of your old card.
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To order your free checks, select your Spending Account or Money Market Account from your Snapshot, select More, then select Order Checks.
Review the provided address to make sure it’s correct. Choose the account you wish to order checks for, then select Submit Order
Checks should arrive within seven to ten business days. Only one order per checking account may be placed at a time.
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If you requested checks or a debit card, your order should arrive within 10 business days after we receive your opening deposit.
If you didn't request checks or a debit card while opening your account, please call us at 1-877-247-2559 to place your order.
When re-ordering standard checks, your order should arrive within 10 business days after your request is submitted.
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No. You'll have a separate debit card for each Spending or Money Market Account you have with us.
You can order a card online or in our app.
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Call us at 1-833-414-4855 (or +1-757-917-2559 if outside the U.S.) to reset or change your PIN using our automated system.
You'll need to provide the last 4 digits of your debit card number and the debit card expiration date.
If you need further assistance, call Ally Customer Service at 1-877-247-2559.
To protect your account, you need to call from the phone number we have on file for you.
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There's no charge when you order standard Ally Bank checks. When you're running low, you can request additional checks online or by calling us. If you'd like to order custom checks, call us at 1-877-247-2559.
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Call 1-833-414-4855 or +1-757-917-2559 if outside the U.S.
Make sure you have your card with you. You'll also see this phone number listed on the sticker on your card. For security purposes, you need to call from the phone number we have on file for you.
We'll prompt you to set a PIN if you are activating your card for the first time. When you finish, remove the activation sticker and sign the back of the card.
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If you need to contact us while traveling internationally, you can call us collect at 1-757-247-2559. Other mobile carrier fees may apply.
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Yes. During the first 30 days, you can use your debit card to make up to $2,000 in purchases and $1,010 in ATM withdrawals per day. After 30 days, your daily spending limit will be $5,000, and $1,010 for an ATM withdrawal. If you have special circumstances and know you'll exceed this amount, call us in advance at 1-877-247-2559 to set up a one-time, extended limit.
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When you swipe your debit card to pay for a purchase, the card reader will usually ask if you'd like to get cash back. Then you'll be asked to enter the amount and your personal identification number (PIN) — the same one you use for the ATM.
The cash back amount is added to the total price of the transaction. For example, if you buy $18 worth of merchandise and ask for $20 cash back, you will pay a total of $38 ($18 + $20) with your debit card and receive $20 in cash along with your purchases.
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You can lock your debit card at any time to block transactions and withdrawals. Keep in mind that this excludes any recurring payments or withdrawals from your card, such as recurring bill payments.
You can also set up account-level alerts and get a notification every time money comes out of your account. Or, set up an alert for when your balance goes above or below an amount you set.
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Connecting your card
Open the digital wallet app (Apple Pay, Google Pay or Samsung Pay) on your phone. Follow the instructions to add your Ally Bank Debit Mastercard.
You’ll receive a notification confirming when your card has been successfully added.
How to use your mobile wallet in store
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Open your digital wallet app.
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Select your Ally Bank debit card.
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Place your phone near the retailer’s card reader and authorize the payment using biometrics or your passcode.
Benefits of using a virtual debit card
For added security, your card details are never stored on your phone. They’re encoded, so they’re not shared with retailers when you make a purchase.
If the retailer asks for the last four digits of your card after you make a purchase, use the last four digits of the Device Account Number. You can find this under your Ally Bank debit card number.
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