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Everything you need to know about your Ally Bank account, right here.

Explore Your Account
 A smiling Black woman looks into the distance while holding a cup of coffee and her phone.

We know how busy life can be. That's why we've developed innovative tools and features so you can have the best digital banking experience possible. We've got your back. We're your ally. 

A phone screen depicting a snapshot of a user’s Online Savings Account

Anywhere, anytime banking.

Manage your account on-the-go with the Ally mobile app. With our award-winning digital experience, you always have convenient banking in the palm of your hand. 

Get the Ally mobile app.

Easy ways to add money to your account.

A phone screen depicting a calendar and the text ‘Early payday is here with direct deposit!’

Set up direct deposit automatically.

We've made it fast and easy to set up direct deposit, and most payment providers are eligible. Here’s how to do it for your Spending Account and get paid up to two days sooner with early direct deposit.

Step 1

Log in to go to our direct deposit page. Then select your Spending Account.

Step 2

Choose Set Up Automatically to digitally connect with your employer or payment provider.

Step 3

Follow a few simple steps and you're done.

Direct deposit the paper way.

Using forms is easy too. Just head to our direct deposit page to download our pre-filled form to give to your employer or fill out a blank one yourself. And don’t worry about hunting for account and routing numbers — we’ll give you all the info you need right on our direct deposit setup page.

Log in to get started or find out more .

Your tool kit for spending and saving.

Your Spending and Savings Accounts are packed with tools like buckets and boosters that help you spend smarter and save even more.

A phone screen with the text “optimized with boosters"
  • Spending buckets

    Take control of your spending with this feature in your Ally Bank Spending Account. Create buckets for expenses like groceries and utilities so you know how much you have left to spend on everything else. Tag businesses where you frequently spend money, and money will come out of your buckets automatically. 

    Create Spending Buckets

    Savings buckets

    A feature of your Ally Bank Savings Account, savings buckets let you divvy up your savings into different categories. Choose from 12 existing categories or make your own.  You can create up to 30 buckets to save for what matters most to you. Use the goal feature to set your target amount and date — and track your progress.

    Create Savings Buckets

Manage your money.

You have places to be and people to see. That's why we're always looking at ways to make accessing, spending, and managing your money as convenient as possible. 

An illustration of an ATM.

Access your cash for free.

Why should you pay to get your own money? Use any of the 43,000+ Allpoint® ATM in the U.S. for free. If you get charged a fee at another ATM, we’ll reimburse you (up to $10 per statement cycle). 

Find an ATM
An illustration of a fortress.

Protect yourself from overdrafts with CoverDraftSM.

Anyone could lose track of their spending and accidentally overdraft their account. We get it. That’s why we eliminated overdraft fees and added CoverDraft — a fee-free temporary safety net of up to $250.

How it works:  

  • In most cases, you qualify for CoverDraft 30 days after depositing $100 or more into your Ally Bank Spending Account.

  • Basic coverage starts at up to $100, but if you set up and receive a qualifying direct deposit of at least $250 for 2 months in a row, you can up your CoverDraft coverage to $250 (you’ll need at least one direct deposit of at least $250 every 45 days to keep this expanded protection). 

  • Should you overspend, your next deposit automatically applies to the negative balance. 

  • You can turn off CoverDraft or adjust your coverage amount whenever you’d like, as long as you don’t have a negative balance. 

  • We’ll give you 14 days to bring your balance out of the negative, and may restrict purchases and withdrawals from your account until you bring your balance back to $0 or more. 

Manage CDs online.

  • Keep an eye on CD account on your desktop or the Ally Mobile app.

  • You can change terms and add funds when your CD matures.

Manage CDs
A smiling white woman wearing a beanie snuggles her golden retriever next to her car while her bearded white boyfriend sits nearby.

We’re serious about security.

Keep your finger on the pulse with account alerts.

Create custom alerts to stay on top of balances, deposits, overdrafts and any suspicious transactions. 

Set Up Alerts

Stay informed about fraud safety. 

Rule #1: Never share any of your authentication codes or personal info with anyone.

Rule #2: Be suspicious of any emails or texts asking for personal information. If you're not 100% sure, email us at

Remember: scams keep evolving and taking on new shapes. Always stay mindful and reach out to us if you need help. 

  • Contact our fraud hotline 24/7 at 1-800-971-6037  if you think you've been a victim of identity theft or financial fraud. 

Other offerings from Ally.

Open an eligible Ally Invest account, get a $100 cash bonus.

Ally Bank and Ally Auto customers can get a $100 cash bonus when you open an eligible Self-Directed Trading or Robo Portfolio account, set up and complete at least three consecutive automated monthly $50 minimum recurring transfers. The bonus will be deposited into your Invest account no later than 30 days after your third recurring transfer.

Get Your Bonus

Additional terms and conditions apply

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Spending buckets are a feature of the Ally Bank Spending Account.

Savings buckets and boosters are features of the Ally Bank Savings Account.  

Round ups are a feature of the Ally Bank Savings Account and requires an Ally Bank Spending Account.

Keep in mind, CoverDraft isn't a line of credit or a guarantee. If your purchase isn't covered for any reason (let's say the transaction exceeds your CoverDraft limit, for example), it will be declined - but we'll never charge you an overdraft fee.  

Early direct deposit, a feature of Ally Bank's Spending Account, offers eligible direct deposits up to two days sooner. 

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. 

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

Deposit and mortgage products are offered by Ally Bank, Member FDIC, Equal Housing Lender  NMLS ID 181005 . Mortgage products are subject to approval and additional terms and conditions may apply.  

Securities products and services offered through Ally Invest Securities LLC, member  FINRA / SIPC . For background on Ally Invest Securities go to  FINRA's BrokerCheck . Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. Ally Bank, Ally Invest Advisors, and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc.  View Invest disclosures . Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

To participate in the Ally Invest cash bonus offer, you must open an eligible account through the link  provided. You must open your eligible account by 12/31/24, set up an automated recurring transfer, and make a minimum of 3 monthly automated recurring transfers. Bonus will be deposited into your Invest account no later than 30 days after your 3rd recurring transfer.