Help Center

Ally Bank accounts:

Online transfers between Ally Bank accounts are immediate.

Standard transfers between Ally Bank and non-Ally Bank accounts, requested before 1 am ET Monday – Friday, will take 3 business days.

Transfers eligible for next-day delivery between Ally Bank and non-Ally Bank accounts, requested before 7:30pm ET Monday – Friday, will take 1 business day.

Keep in mind, transfers between banks aren't processed on weekends and federal holidays, so transfers take longer at those times.

We determine eligibility for next-day transfers based on account tenure (so new accounts aren’t eligible), account activity, and transfer activity such as overdrafts and returns. To combat fraud, we are selective about when we offer next-day transfers.

Between Ally Bank and Ally Invest accounts:

Transfers between Ally Invest accounts are processed between 8 am ET and 3:55 pm ET, Monday – Friday. During this time:

• Transfers from Ally Bank to Ally Invest accounts take 1-2 minutes
• Transfers from Ally Invest Self-Directed to Ally Bank accounts take 1-2 minutes
• Transfers from Ally Invest Robo Portfolio to Ally Bank accounts can take up to 5 business days since we have to rebalance your portfolio

Learn more about transfers in our Transfers Tutorial.

You can make a request in online banking using our online wire transfer form.

Note: there’s a $20 fee for each outgoing domestic wire transfer from your Ally Bank account. When you wire money from your Ally Bank account to your Ally Invest account, you’ll automatically receive a reimbursement for the $20 wire transfer fee in your Ally Invest account within 2 business days.

We may contact you by phone to verify your wire transfer request. Keep in mind, you can’t request an outgoing international wire transfer.

You can also print and complete the Ally Bank Domestic Wire Transfer Form (PDF), and fax it to us at 1-866-608-2635.

If you need assistance, give us a call at 1-877-247-2559.

To receive a wire transfer from another bank in the U.S.:

Provide the following information to the person or business sending the wire transfer to you:

• Receiving Bank: Ally Bank
• ABA/Routing Number: 124003116
• Address: 200 West Civic Center Drive, Sandy, UT 84070
• Beneficiary Account Number: Your Ally Bank Account number
• Beneficiary Name: Name as it appears on your Ally Bank Account

To receive a wire transfer from a non-U.S. bank:

Incoming wire transfers from a non-US bank are processed by our designated receiving bank, JP Morgan Chase Bank, N.A.

Provide the following information to the person or business sending the wire transfer to you:

• Receiving Bank: JP Morgan Chase Bank, N.A.
• ABA/Routing Number: 021000021
• Address: 1 Chase Manhattan PLZ, New York, NY 10005
• SWIFT Code or Bank Identification Code: CHASUS33
• Beneficiary Account Number: 802904391
• Beneficiary Name: List 'Ally Bank' since the wire is being processed by JP Morgan Chase Bank, N.A.
• Further Credit: Your Ally Bank Account Number and your name as it appears on your Ally Bank account.

Keep in mind, we don't charge a fee to receive a wire transfer to your Ally Bank account, however, an intermediary processing bank may charge a fee.

When sending a wire from your Ally Bank account to another bank in the U.S.:

We charge a $20 fee each time.

When you wire money from your Ally Bank account to your Ally Invest account, you’ll automatically receive a reimbursement for the $20 wire transfer fee in your Ally Invest account within 2 business days.

When receiving a wire to your Ally Bank account:

We don't charge you to receive a wire (domestic or international) to your Ally Bank account but the bank sending the wire may charge you a fee.

Keep in mind, you may also be charged a fee by an intermediary bank.

Contact the sending bank for confirmation of any fees that may be assessed.

While a wire transfer is a fast, secure method of delivering money, wires are, universally, not delivered instantly.

If you're requesting same-day delivery, we have to fully review wires before 3 pm ET. We'll need time to review your wire, so be sure to send it as early as possible. Fully-verified wires are sent by 6 pm ET. Keep your phone handy, as we may need to call you to verify your information.

Wires that are not fully verified by 3 pm ET will continue to be processed the next business day. Delivery delays may also occur if a wire is requested after 3 pm ET, on a weekend, or on a weekday followed by a bank holiday, as wires are not processed during these times.

After submitting your wire transfer request, you can track its delivery progress here. We'll also send email status updates on your wire's progress, including an email when your wire's been delivered.

Keep in mind—a wire must be reviewed and verified before delivery. Keep your phone handy, as we may need to call you to verify your information. An email alert will be sent, as well.

We receive a large volume of wire transfer requests, which are processed in the order they’re received. As such, individual wire transfers cannot be expedited.

After submitting your wire request, you can track its delivery progress here.

Keep in mind—money can also be transferred using another one of our instant, free money transfer options, such as Zelle® or Bill Pay.

No, we don’t charge a fee to transfer money from or to your accounts at another institution. You should check with your other bank to see if they charge a fee.

Once you log in to online banking, choose Transfers. Select the account you want to transfer money from and the account you want the money transferred to, enter the amount you want to transfer, and set the frequency of recurrence.

Either account holder can view pending transfers, but only the person who created the transfer can change or cancel it online. If you need to make a change, please check with account holder who created the transfer.

You can make transfers to and from our:

• Online Savings Account
• Money Market Account
• NOW Account
• Interest Checking Account
• CMG Accounts

Note: Money cannot be transferred to or from a certificate of deposit.

Once you log in to online banking, choose Transfers, and then select Manage Linked Accounts.

We'll ask you to provide the following information for your other account:

• Routing number
• Account number
• Account type

We verify the ownership of your account before you can use it for transfers. Call us at 1-877-247-2559 if you need help. We’re here 24/7.

If you’re transferring money between an Ally Invest account and an account at another institution, go to Transfers and then select Invest Transfers.

Once you log in to online banking, select Transfers, so you can review, edit or cancel your scheduled transfers. Keep in mind, transfers between your Ally Bank accounts are immediate, so they can't be canceled or changed.

When you set up an account at another institution for transfers, we make small trial deposits (less than $1.00 each) into the account and ask you to verify the amount of each deposit. This lets us know you own the account and that we have the correct routing and account numbers.

Trial deposits can take up to 3 business days to show up in your records for your accounts at another institution.

When you request a wire transfer online, you’ll receive an alert to the email address we have on file for your account.

If you need to cancel or change your request, call us immediately at 1-877-247-2559. However, there’s no guarantee the transaction can be stopped once it’s submitted.

Yes.

Federal law permits limiting certain types of electronic, telephone and check transactions to a total of 6 per statement cycle. These limited transactions can be to other accounts or to a third party.

There’s a $10 excessive transaction fee for each transaction that exceeds this limit. However, we’re temporarily refunding this fee to help those of you impacted by COVID-19.

You can always call us and request a check made out to you. You can also make unlimited deposits.

Standard and expedited transfers between your Ally Bank and Ally Invest accounts are free, as are transfers between these accounts and accounts at other institutions. Keep in mind, a $30 returned Automated Clearing House (ACH) fee may apply for failed transactions.

Ally Invest charges a $50 transfer fee for each partial or full Automated Customer Account Transfer Service (ACATS) transfer of securities or cash from any Ally Invest account to another firm. Additionally, we charge a $25 closing fee when an Ally Invest Individual Retirement Account (IRA) is closed upon full distribution of IRA funds. When an Ally Invest IRA is closed due to a full transfer to another firm, a total of $75 is charged ($50 transfer fee, plus $25 closing fee).