In most cases, you can set up direct deposit to your Ally Bank Spending Account in minutes right from our direct deposit page.
For all accounts: If you’re setting direct deposit up from your employer or payment provider’s website, use our routing number (124003116) and your account number. If your payment provider needs a direct deposit form, you can download one.
It may take 1-2 pay cycles before your new direct deposit takes effect.
It depends. If we can’t process your direct deposit early, it could be because:
You recently set up direct deposit or we didn’t receive your payment details on time for another reason
Your deposit type isn’t eligible (like a transfer between bank accounts)
You reached the transaction or monthly deposit amount limit
You’ll remain qualified for early direct deposit as long as you received 2 eligible direct deposits within the past 6 months, even from a prior employer.
Simply put, your eligible paycheck is available up to 2 days before your regular payday. It’s a free, automatic feature we offer so you can pay bills, manage expenses, or earn interest on your money sooner.
For example, if you normally get paid on Friday, you’ll now see your paycheck in your account as soon as Wednesday.