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Bill Pay FAQs

  • What is Ally Bank Bill Pay?

    Ally Bank Bill Pay lets you securely pay bills from your Interest Checking account using online or mobile banking.

    • Pay a company or an individual
    • Make one-time payments or set up recurring payments
    • Rush deliver your payments for a fee
    • Receive electronic versions of your bills (eBills) in online banking to make it easy to keep track of all your bills in one place
    • Review your payments for the past 24 months and download payment information for personal financial software applications
  • Is Bill Pay free?

    There is no charge to use Bill Pay with your Interest Checking account.

  • What are the benefits of using Bill Pay?

    There are several benefits of using Bill Pay:

    • Convenience and security: Pay all of your bills securely in one place
    • Mobile banking: Pay your bills anytime, anywhere
    • eBills: Opt to receive an electronic version of your bill
    • Schedule recurring payments: Set up automatic payments according to your preferred schedule
    • Alerts: Get reminders about bill due dates and payment status
  • Who can I pay with Bill Pay?

    You can pay any company or person in the United States that you would normally pay by check, automatic debit or cash. However, we don't recommend using Bill Pay to make a state and federal tax payment or court-ordered payments because we cannot guarantee these payments.

    If your payee accepts electronic payments, we send the money electronically. If the company or person you pay doesn't accept electronic payments, we print and mail a check for you.

  • How do I get started with Bill Pay?

    You can use Bill Pay if you have an Interest Checking account. To get started, gather your bills so you'll have payee names, account numbers and addresses handy.

    Once you log in to online banking, select Pay Bills from the Main Menu . Choose Add a Payee to enter your payee name, account number, and other information.

    Once you set up payees, you can schedule and make payments, set up bill alerts and view bill details online.

  • How do I pay a bill in online banking?

    You have to have an Interest Checking account to use Bill Pay. To get started, go to the Main Menu  at the top right of the page. Select Pay Bills, and add your Payees.

  • How do I set up bills to be paid automatically?

    You can set up recurring payments for any payee and for most eBills.

    In your list of payees, choose the option for Recurring Payments to set up automatic payments. You can choose the scheduled delivery date, frequency, payment amount and duration.

    Some payees who offer eBills also offer a recurring payment option. For eBills, you can set up recurring payments for the minimum amount due or full amount due. This is helpful for recurring bills where the amount may vary month to month, such as payments for credit cards, utilities or a phone.

  • What if a recurring payment falls on a weekend or holiday?

    Payments that fall on a weekend or holiday will be made on the previous business day.

    Your Scheduled Payments shows the adjusted payment date, which you can edit.

  • How do I edit a recurring payment series?

    Choose Recurring Payments in the details for your payee, and select Change Recurring Payment Options.

  • How do I place a stop payment in Bill Pay?

    Call us at 1-877-247-2559, and we'll help you stop a payment. We're available 24/7.

  • How do I make a same-day payment on my Ally CashBack Credit Card?

    We recommend you make your payment at Credit Card Servicing, where you can make a same-day payment without a fee. If you have a checking account with us and use Bill Pay, there could be a fee for rush delivery.

  • How do I know if a payment was sent?

    Choose Activity to see the status of all your payments in Bill Pay. Payments with a Paid status have been sent.

  • When does my payee receive my payment?

    Select a Scheduled Delivery Date that's before or on the date your bill is due, and it should be paid on time.

    If you need to make your payments more quickly, we also have rush delivery options available for a fee for many payees.

  • How can I make sure a bill is paid on time?

    Select a Scheduled Delivery Date that's before or on the date your bill is due, and it should be paid on time.

    The first available date in the Bill Pay calendar, will be the fastest a payment can be delivered to a payee.

  • When is money to pay bills withdrawn from my account?

    If the payee can receive electronic payments, the funds are withdrawn from your account on the scheduled delivery date that you select. This is the same day the payee should receive the payment.

    If the payee can't receive electronic payments, we mail a check for you by the scheduled delivery date that you select.

    For some checks, the money is withdrawn on the scheduled delivery date. For others, the money is withdrawn when the payee deposits or cashes the check.

  • What do I do if my payment posted late or my payee never received payment?

    First, you should verify the following information:

    • You entered the correct account number and other details when setting up the payee
    • You scheduled the payment on or before the due date
    • Your Ally Bank account was in good standing and had a sufficient balance on the Scheduled Delivery Date

    Once you’ve verified that your payment information was correct, call us at 1-877-247-2559, and we’ll help you resolve the issue.

  • Do you reimburse late fees as a result of a payee posting my payment later than the date I chose in Bill Pay?

    If a payee doesn't post your payment on time, we'll work with you to resolve the issue, as long as:

    • The Scheduled Delivery Date you selected was on or before the bill due date
    • The checking account you used to pay your bill was in good standing with sufficient funds on the Scheduled Delivery Date you selected
  • Why did my payment fail?

    A payment may have failed because:

    • The account number or payee address information was incorrect
    • The payee couldn’t accept payment until a bill has been posted
    • There was a problem with your account status with the payee

    Call us at 1-877-247-2559 if your payment failed, and we’ll help you resolve the problem.

  • What's an eBill?

    An eBill is an electronic version of your paper bill or statement that you can view and pay online. Many large companies, like your electric, phone, cable and major credit card companies can send you eBills.

    You can receive, view and pay eBills in Bill Pay. You control the date and amount of your payment.

    Some payees stop sending paper bills when they start sending eBills. Other payees continue to send paper bills in addition to eBills.

  • How do I know when an upcoming ebill is due?

    You'll see when your eBills are due in the details for your payee, and you can see a summary of unpaid eBills you've received in the past 45 days. You can also subscribe to an alert to notify you of a new eBill by choosing Alerts in the details for your payee.

  • How do I cancel or change the next scheduled recurring payment?

    If you want to change only the next occurrence of a recurring payment, find the payment in your Scheduled Payments. Select the payment, and then choose Edit or Cancel.

  • How can I cancel a recurring payment?

    First, cancel the next payment in your recurring payment series if you don't want it to be paid. You can find it in Activity or in Scheduled Payments.

    To update or delete all future recurring payments in your series, choose Recurring Payments under the options for that payee.

  • I haven't received my eBill. What should I do?

    If your normal billing cycle has passed and you still haven't received your eBill, contact your payee. Depending on billing cycles, the exact day you receive your bill each month may vary. Also remember that it may take more than one statement cycle to receive the first eBill from a payee.

  • I stopped receiving paper bills. How do I have them mailed to me again?

    You can stop eBills any time after the company processes your request to receive them. You can manage your eBill options in the details for your payee.

    An entire billing cycle may pass before your paper bills resume.

  • What happens when I stop receiving e-bills?

    When you discontinue your eBill service, you start receiving your bills directly from the company again.

    • When you stop receiving eBills, any automatic payments that you set up to pay them are also canceled
    • You may receive one or more eBills before the company stops sending them
    • It can take an entire billing cycle before your paper bills resume

    You can still pay your bills in Bill Pay, but you won't be able to access your bill online.

  • How do I view paid eBills?

    You can view paid eBills in the Activity for your payee.

  • Can I pay an eBill another way?

    Yes. You can pay an eBill however you choose, such as by check or on your payee's website.

    However, when you pay an eBill outside of Bill Pay, the status of the eBill remains unpaid. To change the status, you can mark the eBill as paid and add a note about how you paid it in the eBills details for your payee.

  • How do I sign up to receive eBills?

    When you add a payee that offers eBills, you'll see Go Paperless in the eBill details for that payee.

    Enter the required information, and we send your request to the company.

    If the company does not offer eBills, the Go Paperless option won't appear in your payee details.

  • How does my payee receive payment?

    We send payments electronically whenever possible. Most companies accept electronic payments.

    If the payee can’t receive electronic payments, we mail a check to the payee for you.

  • Can I edit a payment?

    Yes, you can edit any payment that isn’t Paid or In Progress.

  • What if I find a mistake with my payment?

    You can edit a scheduled payment, but you should call us at 1-877-247-2559 if you find a mistake with a payment that is in process or paid.

  • Can I download my payment history?

    You can download your paid and pending bill payments from the Activity page to a comma-separated values (CSV) file.

    The download file won't include canceled or failed payments.

  • How long is my payment history available?

    Payment information is available in Activity for 24 months.

  • When I sign up for eBills, can I stop paying paper statements?

    You should continue to pay your paper statements until your first eBill from that payee arrives.

    Depending on the payee, this can happen within minutes or may take up to one billing cycle. Each payee may have different rules about continuing to send paper statements; so it may be possible to receive paper bills and eBills depending on the company you select. You will receive an alert at your personal email address when you have new eBills ready to view in online banking, and can print copies of all your bills to retain for your records.

  • If I sign up for eBills, will I still receive a paper copy of my bill through the mail?

    Most payees will stop sending a paper bill and only send an eBill to your Bill Pay account. Other payees continue sending paper bills through the mail in addition to sending eBills to you in Bill Pay.

  • How do I pay an eBill?

    Electronic bills (eBills) that you receive in Bill Pay are easy to pay. You'll see when your eBills are due in the details for your payee, and you can see a summary of unpaid eBills you've received in the past 45 days. You'll pay your bill right in online banking by entering the amount and selecting a scheduled delivery date.

  • Why can't I change contact or other information my payee?

    We maintain relationships with thousands of companies and manage their contact information for you. If the address changes, these companies contact us directly.

  • How do I edit payee information in Bill Pay?

    In Bill Pay, select the payee name you’d like to edit. Choose Edit Payee, update the details and select Save Changes.