Help Center

Ask a question

Deposit FAQs

  • Can I deposit cash?

    No. We don't accept cash deposits. However, there are several ways you can make a deposit into your account.

    • Remote check deposit with Ally eCheck Deposit℠
    • Online transfers and direct deposit
    • Wire transfers and mail

  • How do I add money to my account?

    There are several ways you can add money to your account:

    • Transfer funds between your Ally Bank accounts
    • Transfer funds between your Ally Bank and non-Ally Bank accounts
    • Remotely deposit checks with Ally eCheck Deposit℠
    • Set up direct deposit (PDF)
    • Send a wire transfer (PDF)
    • Mail checks to:

    • Ally Bank
      P.O. Box 13625
      Philadelphia, PA 19101-3625

      Make sure checks are properly endorsed on the back with "For Deposit Only" and the signatures of all payees. 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 CD, but you can't add more money until maturity. You can add additional funds at maturity and during the grace period.

    Note: You may deposit up to $50,000 per day or $250,000 every 30 days using Ally eCheck Deposit℠.

  • How do I set up direct deposit?

    There are different ways you can set up direct deposit for items like your salary, pension, Social Security or other federal benefit payments and regular monthly income:

    • Complete the Ally Bank direct deposit form (PDF) and give it to the company or agency issuing the funds.
    • Provide the company or agency with your Ally Bank account number and our routing number (124003116).
    • Contact your employer or paying agency and ask them for the proper forms and instructions.
    • Visit the Go Direct website to sign up for direct deposit of your Social Security or other federal benefit payment.

  • 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

  • Where can I mail my deposit?

    You can deposit checks by mail to:

    Ally Bank
    P.O. Box 13625
    Philadelphia, PA 19101-3625

    Make sure checks are properly endorsed on the back with "For Deposit Only" and the signatures of all payees. Please don't send cash.

    If you've used all of the pre-paid, self-addressed Ally Bank envelopes included with your welcome kit, give us a call at 1-877-247-ALLY (2559) or request more online - they're free!

  • 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 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

  • What are the Ally eCheck Deposit℠ submission guidelines?

    We only accept checks. Make sure your check is:

    • Dated within the last 180 days
    • Payable to you
    • Drawn on a U.S. Bank in U.S. dollars
    • Endorsed on the back with "For Deposit Only" and the signatures of all payees

  • What are the Ally eCheck Deposit℠ check and image submission requirements?

    Make sure you fill out both sides of the check correctly, endorse it on the back with "For Deposit Only" and the signatures of all payees. Follow these tips when capturing your image:

    • Turn off image sharing when capturing the check image
    • If you are using a camera, take the photo in a well-lit location and place the check on a dark, non-reflective background
    • Follow the prompts on your scanner or camera to line up the image, making sure all 4 corners of the check are visible
    • Re-take or re-scan the check if the images are blurry
    • Convert the photo to color or grayscale (no PDFs please)
    • Make sure the file size is 1 MB or less
    • The minimum resolution is 200 DPI

  • What happens after I submit my Ally eCheck Deposit℠?

    After You Submit Your Check

    If we accepted your deposit:

    • Submit a check online before 4 pm ET, and you'll see it on the next business day. For example, if you deposit a check at 3:30 pm ET on Thursday, you'll see it in your account on Friday (provided it is a business day and not a holiday)
    • Submit a check online after 4 pm ET, and you'll see it on the 2nd business day. For example, if you deposit a check at 4:30 pm ET on Thursday, you'll see it in your account on Monday (provided it is a business day and not a holiday)
    • We'll send you an email within 1 business day with your deposit status
    • Once your deposit posts, you immediately begin earning interest on those funds
    • You can view your deposit status for 120 days in Activity
    • See our funds availability schedule in the Ally eCheck Deposit section of the Ally Deposit Agreement (PDF) for more details.

    Approved Deposits

    Even though the image was approved for deposit, it still has to go through the same posting process as a traditional paper check. It may take several hours from the time the deposit was approved to when it appears in your account. You will see the deposit on the next business day and receive an email notifying you that the deposit was successful.

  • When will my Ally eCheck Deposit℠ be available?

    Ally eCheck Deposits made online before 4 pm ET Monday through Friday will post that evening, and you'll see it on the next business day. For example, if you deposit a check at 3:30 pm ET on Thursday, you'll see it in your account on Friday (provided it is a business day and not a holiday).

    Ally eCheck Deposits made online after 4 pm ET Monday through Friday will post the evening of the next business day, and you'll see it on the 2nd business day. For example, if you deposit a check at 4:30 pm ET on Thursday, you'll see it in your account on Monday (provided it is a business day and not a holiday).

    Checks over $5,000 are subject to the following availability schedule:

    • The first $200 will be available the next business day
    • $4,800 will be available the 2nd business day
    • Amounts over $5,000 may not be available until the 5th business day

    We may hold funds up to 5 business days if you have repeated overdrafts, returned items or you have overdrawn your account in the last 6 months.

    Please see our funds availability schedule in the Ally eCheck Deposit section of the Ally Deposit Agreement (PDF) for more details.

  • What Ally eCheck Deposit℠ activity can I view?

    You can view your account transactions for the past 120 days in Activity, including:

    • The date you submitted a check
    • The deposit amount and account
    • Your receipt
    • The check image

    To view older deposits in online banking:

    1. Choose the account that you'd like to view.
    2. Scroll down to the Transactions History section of your account detail page.
    3. Select the transaction search icon  located at the far right side of the page.
    4. Enter keywords or use the dropdown to search by date.
    5. Select Search to view the search results.

  • What happens if I accidentally enter the wrong amount for my Ally eCheck Deposit℠?

    Don’t worry. You don’t have to do anything. We’ll only make adjustments if the numeric amount differs from the amount written on the check. We’ll deposit the written amount on the check.

    Call us at 1-877-247-ALLY (2559), if you have questions about your deposit.

  • How much money can I deposit with Ally eCheck Deposit℠?

    You may deposit up to $50,000 per day or $250,000 every 30 days using Ally eCheck Deposit into these accounts:

    • Money Market
    • Online Savings
    • Interest Checking

    If you’ve exceeded the eCheck daily or monthly deposit limit, you can still mail your properly endorsed check deposit made payable to you to:

    Ally Bank
    P.O. Box 13625
    Philadelphia, PA 19101-3625

    Please don’t send cash. Endorse the back with “For Deposit Only” and the signatures of all payees.

    Note: You can make an initial funding deposit into a CD, but you can't add more money until maturity. You can add additional funds at maturity and during the grace period.

  • 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)

  • What types of checks can I deposit using Ally eCheck Deposit℠?

    You can deposit checks payable in U.S. dollars and drawn at any U.S. bank.

    You can’t deposit some items using Ally eCheck Deposit, as stated in the Ally Bank Deposit Agreement (PDF):

    • Checks payable to any person or entity other than you
    • Checks that aren't endorsed by all payees
    • Checks containing alterations to any of the fields on the front of the check.
    • Starter checks or counter checks.
    • Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer
    • Checks that are more than 180 days old
    • Substitute 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)
    • Traveler's checks or money orders (these are eligible to be mailed in for deposit)
    • Non-negotiable instruments, such as promissory notes
    • Checks drawn on any of your Ally Bank accounts

    If we reject your deposit, you'll receive an email on the business day it was deposited. The email will include an explanation of why, along with details about what to do next.

    Call us at 1-877-247-ALLY (2559), if you have questions about your deposit.

  • 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.