Early Direct Deposits FAQs

Yes. We allow up to eight early direct deposits per account per statement cycle, and each paycheck must be $10,000 or less.
If you don't get your deposit early, expect it to arrive on your regularly-scheduled payday.

Nope. It's an automatic feature of our checking account. In most cases, you'll receive your paycheck early if:

• You receive recurring payments through an employer, business, or government program that uses direct deposit (and you're enrolled in direct deposit, too)
• We see 2 direct deposits to your Ally Bank Interest Checking account within 6 months
• Your payroll provider consistently sends us your payment details on time

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

You’ll need:

• Our routing number: 124003116
• Your account number

Simply put, your 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.

No. It's completely free.

As long as some of your direct deposit goes into your checking account and you receive your money early, it'll show up early in all your accounts.

No. Early direct deposit is a free, automatic feature that comes with our Interest Checking account. So as long as your eligibility remains the same, there’s nothing stopping you from getting paid early.

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 need to set up direct deposit through your new payroll provider.

You'll remain qualified for early direct deposit as long as you received 2 eligible payroll deposits within the past 6 months, even from a prior employer.

We'll automatically let you know if you qualify, but you can also customize a deposit alert with your expected direct deposit amount and get notified when your paycheck hits your account.

On ally.com:

• Select Profile and Settings
• Choose Alerts, then select Bank Accounts
• Go to Deposits to add a new alert

On our mobile app:

• Select Profile
• Choose Alerts, then go to Deposits to add a new alert