Ally is the first bank in over 20 years that has far exceeded my expectations. Their rates are higher. Their customer service is far better than most banks. You can always get a live voice or online chat when you need it. Staff is always friendly. Your problems are resolved. You get reimbursements for ATM fees. Their online services are easy to use. Their overdraft fees are far lower than ANY other bank that I know of. And they have very flexible options for CDs and money markets. The list goes on and on. I would recommend Ally versus any other bank that I have used.
I really can't understand the complaints about Ally Bank; other then when I added my wife to my accounts (it took them awhile) I've had nothing but praise for this bank. Customer Service is excellent - I've never waited longer then maybe a couple minutes and I can get help 24 / 7 (once I called at 3AM New Year's Eve -- yea, a little drunk-- but still got the help and job accomplished).
I'm drawing a higher interest rate with both my Saving Account and Money Market Account then I did with a 19 month CD at US Bank. I had and have a few CDs with Ally and one time needed to cash one in before the maturity date -- only lost the interest; other banks you lose the interest plus penalty. I use any ATM machine and they reimburse the charges, Bill Pay and all the extras - all free. Love this bank!
First of all, Ally out sources jobs to the Philippines. These are American jobs that they are paying third world people a fraction of the pay to perform. Ally could be employing Americans. To top it off these people that are receiving money that could be going into Americans pockets are the most infuriating souls to ever pick up a phone. They harass account holders and they are mostly Americans. Boycott Ally!