Help Center

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^SM
• Online transfers and direct deposit
• Wire transfers and mail

There are several ways you can add money to your accounts. You can transfer money from another bank or an Ally Bank account. We also offer Ally eCheck Deposit^SM to deposit checks. You can also send a wire transfer or 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.

You can also set up direct deposit with your employer. Direct Deposit (PDF)

You can make unlimited deposits into your Money Market, Online Savings and Interest Checking accounts.

If you are using Ally eCheck Deposit℠, you’re only allowed to deposit checks totaling $50,000 in a single day and up to $250,000 every 30 calendar days. There are no dollar amount limits for mailed checks.

Make sure each check is properly endorsed with signatures of all payees. Also write For Mobile Deposit Only on the back for Ally eCheck Deposit.

To deposit checks via mail, send properly endorsed checks, with your account number and For Deposit Only written on back, in a sealed envelope to:

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

We don't accept cash.

Go through your paycheck or government payment provider to enroll in direct deposit yourself.

You’ll need:

• Our routing number: 124003116
• Your account number

Yes. Ally Bank is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC protects your Ally Bank deposits up to $250,000 per depositor for each qualifying account ownership category Learn more about FDIC insurance

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 1-877-247-2559 or request more online - they're free!

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

We may hold all funds up to 5 business days if we believe a check you deposited won’t be paid, a check you deposited was returned unpaid, or you have repeatedly overdrawn your account in the last 6 months. We’ll notify you if your funds availability is delayed and let you know when your funds will be available. They’ll usually be available the 5th business day after the day of your deposit.

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

With Ally eCheck Deposit, you can submit your deposit online or using the Ally Mobile App. It's easy, free and secure.

• To make a deposit using the Ally Mobile App, you can simply take a photo of your endorsed check within the app
• To make a deposit online using a computer, you’ll need access to a scanner to upload an image of your endorsed check

With Ally eCheck Deposit, you can deposit your checks online or using the Ally Mobile App. It's easy, free and secure.

Making a Deposit

Make sure all payees properly endorse each check by signing the back. Also write For Mobile Deposit Only below the signatures.

• Ally Mobile App: Log in, choose your account, and tap Deposit Checks. Snap a picture of both sides of your endorsed check, enter the check amount, then submit your deposit.
• Online: Log in, choose your account, choose Deposits, then choose Make a Deposit. Upload scanned images of the front and back of your endorsed check, enter the check amount, then submit your deposit.

Funds Availability
We'll send you an email within 1 business day with your deposit status.

Cut-Off Times
If you deposit a check:

• Before 7 pm ET – The first $300 of your deposit will appear in your account the next business day. The remaining amount up to $25,000 will be available on the 2nd business day. If the deposit amount was greater than $25,000, any remaining amount will be available on the 5th business day. For example, if you deposit a check for $400 at 6:30 pm ET on Thursday, you'll see $300 in your account on Friday and the remaining $100 on Monday (provided Thursday, Friday, and Monday are all business days and not holidays).
• After 7 pm ET – We’ll begin processing your deposit on the next business day. For example, if you deposit a check for $400 at 7:30 pm ET on Thursday, we’ll begin processing your deposit on Friday. You'll see $300 in your account on Monday and the remaining $100 on Tuesday (provided Friday, Monday, and Tuesday are all business days and not holidays).

See our Funds Availability section in the Ally Bank Deposit Agreement (PDF) for more information.

To make a deposit using the Ally Mobile App: Log in, choose your account and tap Deposit Checks. Snap a picture of both sides of your endorsed check then submit your deposit.

To make a deposit online: Upload scanned images of the front and back of your endorsed check then submit your deposit.

• You can use an Apple® (iOS) or Android™ device with the Ally Mobile App to make your deposit
• You may also scan and upload your checks online at ally.com

There are several reasons we may put a hold on your funds.

1. We have reason to believe the check may be returned.
2. The check is for more than $25,000.
3. The check was previously deposited and returned unpaid.
4. You have overdrawn your account repeatedly in the last six months.

Refer to our deposit agreement for details. We’ll notify you if we put a hold on your funds for any reason and let you know when your funds will be available. They’ll generally be available no later than the 5th business day after your deposit.

Call us 24/7 at 1-877-247-2559 if you have questions.

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

Make sure each check is properly endorsed with signatures of all payees. Also write For Mobile Deposit Only on the back. Snap or scan images of both sides of your endorsed check.

Mobile camera tips:

• For best results, take the photo in a well-lit location and place the check on a dark, non-reflective background (avoid using marble or granite countertops)
• Make sure there are no shadows on the check
• Hold the camera still and make sure you can see all edges of your check and can clearly read the routing and account numbers
• If you’re using an iOS device: You may need to tap the screen of your phone to enhance the focus before capturing the image, or move the camera away from the check, then return to allow it to re-focus
• If you’re using an Android device: Use auto capture to take a clear photo

To make a deposit with the Ally Mobile App: Log in, choose your account and tap Deposit Checks to upload your snapped images.

Scanner tips:

• All 4 corners of the check must be visible — Detach check from checkbook
• All files must be converted to color or grayscale
• File size can’t exceed 1 MB
• File must be saved as JPG (no PDFs please)
• Minimum resolution is 200 DPI

To make a deposit online: Upload your scanned images from your computer.

After You Submit Your Check

Your check will go through the same approval process as a traditional paper check. We'll send you an email within 1 business day with your deposit status.

Approved Deposits

If you deposit a check:

• Before 7 pm ET – The first $300 of your deposit will appear in your account the next business day. The remaining amount up to $25,000 will be available on the 2nd business day. If the deposit amount was greater than $25,000, any remaining amount will be available on the 5th business day. For example, if you deposit a check for $400 at 6:30 pm ET on Thursday, you'll see $300 in your account on Friday and the remaining $100 on Monday (provided Thursday, Friday, and Monday are all business days and not holidays).
• After 7 pm ET – We’ll begin processing your deposit on the next business day. For example, if you deposit a check for $400 at 7:30 pm ET on Thursday, we’ll begin processing your deposit on Friday. You'll see $300 in your account on Monday and the remaining $100 on Tuesday (provided Friday, Monday, and Tuesday are all business days and not holidays).
• Once your deposit posts, you immediately begin earning interest on those funds
• See our Funds Availability section in the Ally Bank Deposit Agreement (PDF) for more information

Ally eCheck Deposits you submit before 7 pm ET Monday through Friday will post that evening, and you'll see the funds in your account the next business day. For example, if you deposit a check at 6:30 pm ET on Thursday, you'll see it in your account on Friday (provided Thursday and Friday are both business days and not holidays).

Ally eCheck Deposits you submit after 7 pm ET Monday through Friday will post the evening of the next business day, and you'll see the funds in your account on the 2nd business day. For example, if you deposit a check at 7:30 pm ET on Thursday, you'll see it in your account on Monday (provided Friday and Monday are both business days and not holidays).

If you deposit a check over $300:

• The first $300 will be available the next business day
• Up to $24,700 will be available on the 2nd business day
• Remaining amounts over $25,000 will be available on the 5th business day

We may hold all funds up to 5 business days if we believe a check you deposited won’t be paid, a check you deposited was returned unpaid, or you have repeatedly overdrawn your account in the last 6 months.

See our funds availability schedule in the  Ally Bank Deposit Agreement (PDF) for more details.

You can view your eCheck Deposit activity for the past 120 days.

To view activity in online banking:

• Log in to ally.com, select Deposits and then go to Activity

To view activity in the Ally Mobile App:

• Log in to the app, choose your account and tap View Scheduled Activity to view In Process or Scheduled activity. Tap History and select Deposits to see your eCheck Deposit History for the past 120 days

We will deposit the written amount on the check. If that amount differs from the amount you entered, we will make the adjustment on our end.

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

You may deposit up to $50,000 in a single day and up to $250,000 every 30 calendar days using Ally eCheck Deposit.

If you’ve exceeded the eCheck daily or monthly deposit limit, you have the option to mail a check to:

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

Make sure each check is properly endorsed with signatures of all payees. Also write your account number and For Deposit Only on the back. Be sure to seal the envelope properly.

We don't accept cash.

You can make deposits into your:

• Ally Interest Checking Account
• Ally Online Savings Account
• Ally Money Market Account
• Ally Bank CD, if you haven't funded it yet, or during the 10-day grace period granted after your CD matures.

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(SM) including:

• Checks payable to any person or entity other than the account holder(s) of the deposit account you are depositing the check into
• Checks that aren't endorsed by all payees
• Checks containing alterations to any of the fields on the front of the check
• Counter checks
• Checks previously deposited in any form
• Checks that are more than 180 days old
• Substitute checks
• Money orders
• Remotely created checks, without the signature of the person on whose account the check is drawn
• Non-negotiable instruments, such as promissory notes
• Checks drawn on any of your Ally Bank accounts

If we don’t accept your deposit, you'll receive an email explaining why, along with details about what to do next.

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

You can also refer to the Online Banking Services Agreement (PDF) for more information.

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.

Yes, you may use Ally eCheck Deposit to fund a new CD. If you have multiple checks, you must submit all of them by 7 pm ET on the same business day and we'll apply the total amount to your new CD.

See our Funds Availability section in the Ally Bank Deposit Agreement (PDF) for more information.

Pass-through insurance is federal deposit insurance coverage that may apply to funds that a fiduciary—like an attorney-in-fact, trustee, guardian, executor, or custodian—holds for the benefit of others, called “beneficial owners.” If the beneficial owners are eligible for pass-through insurance, this means the funds in the account could qualify for more than the standard maximum deposit insurance amount (currently $250,000 per depositor in the same ownership right and capacity). Learn more about the FDIC

You don’t need to do anything right now to qualify for pass-through insurance. If you’re a fiduciary—like an attorney-in-fact, trustee, guardian, executor, or custodian—holding funds for someone else’s benefit, you may be required to provide a record of the interests of the beneficial owners within 24 hours of a bank failure. (The beneficial owners are the people for whose benefit you hold the funds.) You’ll only have to do this in the unlikely event of a bank failure. If you’re not a fiduciary—like an attorney-in-fact, trustee, guardian, executor, or custodian—these requirements don’t apply to you. Learn more about the FDIC