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ATMs & Withdrawals FAQs

  • How do I make a withdrawal from my Online Savings Account?

    You can withdraw money in 4 ways:

    • Online funds transfer
    • Outgoing wire transfer
    • Telephone transfer
    • Check request

    You should know that there are a few guidelines to these transactions:

    You can always call us and request a check made out to you. You can also make unlimited deposits. But, Federal law limits other electronic, telephone and check transactions to a total of 6 per statement cycle. These limited transactions can be to other accounts or to a third party. If you go over the limit we charge $10 per transaction.

  • How many withdrawals can I make from my Online Savings Account each month?

    You can make six withdrawals and transfers per statement cycle from your Online Savings Account. The limit is set by federal law for electronic and telephone transactions from all U.S. savings and money market accounts. Please remember, you will be charged a $10 fee for each transaction that exceeds this limit.

  • How do I make withdrawals from my Money Market Account?

    You can withdraw money by online electronic funds transfer, telephone transfer, check, check card point-of-sale transactions, and ATM machine.

    Please remember that federal law limits the number of most electronic, telephone and check transactions from all U.S. money market accounts to six per statement cycle. We charge $10 for each transaction over 6 per statement cycle. If you exceed this limit on more than an occasional basis, we may be required to close your Money Market Account.

    Fortunately, ATM withdrawals are unlimited. To find a nearby ATM, use the Ally ATM & Cash Locator.

  • How many withdrawals can I make from my Money Market Account each month?

    Federal law limits the number of withdrawals and transfers you may make from your Money Market Account during each statement cycle. You can make up to six withdrawal transactions – including electronic fund transfers and telephone transfers, checks, and debit card purchases – per statement cycle. Each transfer or payment from your Money Market Account is counted as one of the six limited transfers. You will be charged a $10 fee for each transaction that exceeds this limit. Fortunately, ATM withdrawals are unlimited.

  • How do I make a withdrawal from my IRA Online Savings Account?

    Because the online savings account is part of your IRA with Ally, you will need to request a distribution. To do this, you can either log in to online banking and complete the distribution request, call us at 877-247-ALLY (2559) 24/7, or complete and mail in the Distribution Form. Please remember that federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to 6 per statement cycle. Unfortunately, you will be charged $10 for each transaction that exceeds this limit. If you exceed this limit on more than an occasional basis, we may be required to close your IRA Online Savings account.

  • How many withdrawals can I make from my IRA Online Savings Account each month?

    You can make up to 6 withdrawals and transfers per month.

    The limit is set by federal law for most electronic/ telephone/ check transactions from all U.S. savings and money market accounts. Please remember, you will be charged a $10 fee for each transaction after 6. If you exceed the transaction too many times, we may close your IRA Online Savings Account.

    Please consult your tax professional for details on IRA distributions or withdrawals.

  • How can I access the money in my Interest Checking Account?

    Access your account, make payments, or move your money from your computer or mobile device. You can also:

    • Use a debit card or checks for purchases and payments
    • Make payments using free Online Bill Pay
    • Get cash back when you shop with your debit card
    • Get cash from an ATM (To find a nearby ATM, use the Ally ATM & Cash Locator)
    • Transfer money between your Ally accounts
    • Transfer money from your Ally accounts to non-Ally accounts 
    • Call us to obtain a cashier's check or for a wire transfer
  • Is there a daily ATM withdrawal limit with Ally's Interest Checking Account?

    Yes. For your protection, you can withdraw up to $1,000 a day from ATMs. To find a nearby ATM, use the Ally ATM & Cash Locator.

  • How do I find an ATM near me?

    You won't see an Ally Bank ATM, but you can use your debit card at any ATM worldwide.

    Use our ATM & Cash Back Locator to find ATMs across the U.S. online or on your mobile device.

  • What are your ATM fees?

    There's no charge to use any Allpoint® ATM in the U.S., plus we reimburse up to $10 at the end of each statement cycle for fees charged at other ATMs nationwide.

    Keep in mind, we pay interest on the reimbursed amount starting on the day the funds are credited to your account.

    Use our ATM & Cash Back Locator to find ATMs across the U.S. online or on your mobile device.

  • How do I find no-fee Allpoint® ATMs?

    With over 43,000+ ATMs nationwide, Allpoint is the largest no-fee ATM network – with ATMs conveniently placed in locations such as CVS, Walgreens pharmacies, Target stores, convenient stores and other regional retailers.

  • What if an Allpoint® ATM presents a surcharge screen?

    You still won't be charged a fee. Just press YES to accept the fee and continue with your transaction. Ally Bank debit cardholders won't be charged a fee or Allpoint will refund the surcharge.

    If you're charged a fee, go to allpointnetwork.com/about/refund, complete the form and Allpoint should respond within 24 hours.

  • Will I pay a fee for using an ATM overseas or in a foreign country?

    Yes. Whether you use an Allpoint® ATM or other ATM overseas, we charge a standard foreign transaction fee of up to 1% of the transaction amount for the currency conversion and/or cross border transaction. If you use a non-Allpoint ATM overseas, there may be an additional surcharge by the ATM owner.

    There's no charge to use any Allpoint ATM in the U.S., plus we reimburse up to $10 at the end of each statement cycle for fees charged at other ATMs nationwide.

    Keep in mind, we pay interest on the reimbursed amount starting on the day the funds are credited to your account.

  • How can I protect my account from an overdraft?

    If you exceed your checking balance, we automatically transfer available funds in $100 increments from the account you choose.

    There's no charge when we transfer your funds, but overdraft transfers count towards transaction limits.

    • If your linked account balance is less than $100 no money will be transferred to cover an overdraft
    • Your transaction may be declined or you could be charged an overdraft fee

    Link your Interest Checking account to an Online Savings or Money Market account.

    You can set up overdraft protection in online banking:

    1. Log in to your account
    2. Go to the Main Menu  at the top right of the page.
    3. Select Account Services > Overdraft Transfer Service.
  • What if I don’t have enough money in my account to cover a transaction?

    If you set up overdraft transfer service and have sufficient funds to cover the transaction, then we'll automatically transfer the funds in increments of $100 and there will be no overdraft fee.

    If you didn't set up overdraft transfer service and used your debit card to make a purchase or withdraw cash, then your transaction may be declined but we won’t charge an overdraft fee.

    If you made a non-debit card transaction and didn't set up overdraft transfer service, your transaction may be declined and you could be charged a $25 overdraft fee.

    Keep in mind, if you have more than one overdraft item paid or overdraft item returned on a single day, we'd still only charge you a $25 fee once that day.