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Deposit FAQs

  • Can I deposit cash?

    Sorry, but we don't accept cash deposits.

  • How do I add money to my account?

    There are six ways to add money to your account:

    • Move funds online between Ally accounts
    • Transfer funds between your Ally and non-Ally accounts
    • Submit your check images with Ally eCheck Deposit℠
    • Use the direct deposit form to set up your paycheck or Social Security deposits. Download form
    • Make a wire transfer
    • Send checks by U.S. mail (Please don't send cash)

  • How many deposits can I make each month?

    Make as many deposits as you want into these accounts:

    • Money Market
    • Online Savings
    • Interest Checking

    You can make an initial funding deposit into a certificate of deposit (CD) but you can't add more money until maturity. Additional funds can be added at maturity and during the grace period.

  • Are my deposits still FDIC insured?

    Absolutely. Ally Bank is insured by the Federal Deposit Insurance Corporation (FDIC) so deposits with us are insured up to $250,000 per depositor.  Read more about FDIC

  • What happens after I make my deposit?

    We'll send you an email within 1 business day with the status of your deposit and information about when your funds will be available. Once the deposit is posted to your account, you begin earning interest on those funds immediately. Please see our funds availability schedule in the Ally eCheck Deposit section of the Ally Deposit Agreement for more details.

  • Where can I mail my deposit?

    You can deposit a paper check by mail anytime at:

    Ally Bank

    P.O. Box 13625

    Philadelphia, PA 19101-3625

    Make sure the check is endorsed and made payable to you. You should also write "Deposit only" along with your account number on the back. Sorry, we do not accept cash.

    If you've used all of the pre-paid, self-addressed Ally Bank envelopes included with your welcome kit, just give us a call or request more online – they're free!

  • How long do test deposits take?

    Test deposits are part of the process when you designate a non-Ally bank account for online funds transfers. Typically, the entire process takes 3 business days. In most cases, you will see the test deposits appear in your non-Ally account the following business day.

  • When is my money available to me after I deposit a check?

    The following funds availability schedule applies to each check you deposit.

    Check Type Availability
    Checks drawn on Ally Bank Next business day
    U.S. Treasury checks payable to you Next business day

    All other checks payable to you including:

    Checks drawn on U.S. financial institutions other than Ally Bank: cashier’s, certified, teller’s, and traveler’s checks; federal, state or local government checks; and U.S. postal money orders
    • The first $200 will be available the next business day
    • $4,800 will be available the 2nd business day
    • Amounts over $5,000 will be available the 5th business day
    Checks deposited by customers with a history of overdraft activity The full check amount may be subject to a 5-business day hold.
    Wire transfers received after 3 pm ET Next business day

    For additional information, please see the Funds Availability Schedule in the Ally Bank Deposit Agreement (PDF).

  • What are test deposits, and why do I need to verify them?

    We use test deposits to protect the money and account information of our customers. When you designate a non-Ally account for online funds transfers, we make small deposits into the account and ask you to verify the amount of each deposit. This lets us know you own the account and that we have the correct routing and account numbers. It's a standard practice in banking.

  • What is Ally eCheck Deposit℠?

    With Ally eCheck Deposit, you can submit your deposit at home or on the go. It's easy, free and secure.

    • To make a deposit using your mobile device, you'll need the Ally Mobile Banking app with Internet access and an endorsed check.
    • To make a deposit using your computer, you'll need access to the Internet, Online Banking, and a scanner or image of your endorsed check.

  • How does Ally eCheck Deposit℠ work?

    There are 2 ways to make deposits using Ally eCheck Deposit:

    • To make a deposit using your mobile device, launch the Ally Mobile Banking app, log in, and tap Make Deposits. Snap a picture of both sides of your endorsed check, upload the images, and submit your deposit.
    • To make a deposit using your computer, log in at allybank.com, scan and upload the images of your endorsed check, and submit your deposit.

  • How do I get started with Ally eCheck Deposit℠?

    To get started using Ally eCheck Deposit, just log in to Online Banking and select Make a Deposit. You can use Ally eCheck Deposit for funding your CD, or making deposits at anytime into your Ally Interest Checking, Money Market or Online Savings Accounts. If you want to use your mobile device to deposit checks, download the Ally Mobile Banking app.

  • What do I need to use Ally eCheck Deposit℠?

    • To make a deposit using your mobile device, you'll need:
      • An Apple (iOS) or Android device with a rear-facing camera
      • The Ally Mobile Banking app
      • Access to Online Banking
    • To make a deposit using your computer, you'll need:
      • Windows 7, Windows Vista, Windows XP or Mac OS X
      • Microsoft Internet Explorer 8 or 9; Mozilla Firefox 9.0 or higher; Safari 5.0 or higher; or Google Chrome 16.0 or higher
      • Java version 1.6.0_24 or higher
      • Your browser set to accept cookies from third parties
      • A TWAIN compliant scanner

  • When are deposits made with Ally eCheck Deposit℠ posted to my account?

    Ally eCheck Deposits made online before 4 pm ET Monday through Friday will post that evening. Ally eCheck Deposits made after 4 pm ET Monday through Friday will post the evening of the next business day. Please see our funds availability schedule in the Ally eCheck Deposit section of the Ally Deposit Agreement for more details.

  • Which Ally accounts can I use with Ally eCheck Deposit℠?

    You can make deposits into your:

    • Ally Interest Checking Account
    • Ally Online Savings Account
    • Ally Money Market Account
    • Ally CD, if you haven't funded it yet (please check our daily deposit limits in the Ally Deposit Agreement)

  • Can I deposit items such as traveler's checks and money orders using Ally eCheck Deposit℠?

    Some items can't be deposited using Ally eCheck Deposit, as stated in the Ally Deposit Agreement:

    • Checks payable to any person or entity other than you
    • Check containing alterations to any of the fields on the front of the check
    • Fraudulent checks, or checks that you should have known were fraudulent
    • Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer
    • Checks from financial institutions located outside of the U.S.
    • Checks that are not payable in U.S. dollars
    • Substitue checks (as defined in the Federal Reserve's Regulation CC, 12 C.F.R. Part 229)
    • Remotely created checks, as defined in Regulation CC (checks that, among other things, do not bear the signature of the person on whose account the check is drawn)
    • Travelers checks, savings bonds, money orders or postal money orders
    • Non-negotiable instruments, such as promissory notes
    • Checks drawn on any of your Ally account(s)

  • Is scanning my check for deposit safe?

    Yes, we use the latest security features to securely transmit the image of your check from your scanner to Ally. We also give you security tips on how and how long to store the image you have on your computer.

    For more information about how we protect you and to read our Online Banking Security Guarantee, please visit the Ally Security Center.

  • Can I fund a CD using Ally eCheck Deposit℠?

    Yes, you may use Ally eCheck Deposit to fund a new CD. If you have multiple checks, you must submit all of them by 4 pm ET on the same business day and we'll apply the total amount to your new CD.

    Please see the Ally eCheck Deposit section of the Ally Deposit Agreement for daily deposit limits.

  • How do I view or make changes to a pending transfer?

    It’s easy to manage your transfers:

    • Log in to your account
    • Go to "I want to" on the right-hand side of the page
    • Choose the Ally accounts or Ally and non-Ally accounts link under View pending transfers