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℠
• 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℠ 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)

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 in a single day; however, you can’t deposit more than $250,000 every 30 days using Ally eCheck 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 at www.godirect.org to sign up for direct deposit of your Social Security or other federal benefit payment.

If an Ally Bank address is required, please provide the following address:

Ally Bank
1100 Virginia Dr.
Fort Washington, PA 19034

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

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.

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 Up to $24,800 will be available the 2nd business day Remaining amounts over $25,000 will be available the 5th business day
Checks deposited by customers with a history of overdraft activity	The full check amount will be subject to a 5-business day hold.
International Wire Transfers received after 3 pm ET Domestic wires received after 5 pm ET	Next 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. 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, please see the Funds Availability Schedule in the Ally Bank Deposit Agreement (PDF).

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.

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.

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.

When using your mobile device, you need:

• An Apple (iOS) or Android device with a rear-facing camera
• The Ally Mobile Banking app
• Access to Online Banking

When using your computer, you need:

• Windows 7, Windows Vista, Windows XP or Mac OS X
• Internet Explorer 11 or higher; Firefox 9 or higher; Safari 9 or higher; Chrome 16 or higher; or Edge 3 or higher
• Java version 1.6.0_24 or higher
• Your browser set to accept cookies from third parties
• A TWAIN compliant scanner

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 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

After You Submit Your Check

If we accepted your deposit:

• Submit a check online before 7 pm ET, and you'll see it on 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 it is a business day and not a holiday)
• Submit a check online after 7 pm ET, and you'll see it 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 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.

Ally eCheck Deposits submitted 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 (unless you make a deposit on a non-business day or holiday).

Ally eCheck Deposits submitted 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 (unless you make a deposit on a non-business day or holiday).

If you deposit a check over $25,000:

• The first $200 will be available the next business day
• Up to $24,800 will be available the 2nd business day
• Remaining amounts over $25,000 will be available 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.

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

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.

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 1-877-247-2559, if you have questions about your deposit.

You may deposit up to $50,000 in a single day; however, you can’t deposit more than $250,000 every 30 days using Ally eCheck Deposit. You can use Ally eCheck Deposit to add money to 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.

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)

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 you
• 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 at another institution in physical form, image or electronic funds transfer
• 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 on the business day it was deposited that explains 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 Ally Bank Deposit Agreement (PDF) or the Online Banking Service 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.

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