I have ally auto now and i personally don't like it. If you one of those people who want to pay off your vehicle faster. This is not the bank you want to go to. What i have been noticing with my auto payments is that they are trying to get their money before your vehicle is paid off. I had one lady who spoke very little english telling me that the lower my unpaid balance will pay off my vehicle much faster which means my finance (tax) will increase.
I did not like that lady at all. I prefer to have someone speaking complete english without having such an odd accent. I'm very used to the britain accent and texan accent so any other than those, i highly dislike. I spoke with another lady before about putting extra money onto the principle and told me i could but this weird accent lady who spoke very little english said i couldn't. This is perfect for people who can't pay extra but not for ones who do want to pay extra. I wouldn't get this bank ever again.
I just started with Ally and they are epic. I cannot believe the amazing customer service. If you think banking online is scary and inconvenient than let all fears go. They provide pre-paid postage envelopes to send checks, reimbursements on ATM fees, and 24 hour customer service that has virtually no wait time. It is fast convenient and supports my needs. I will never have to add "stop at the bank" on my to do list because it is all online. My bank will go with me wherever I go. To top it all of they have the best rates! The interest is accumulative. It seems to be good to be true but it really is true. They are able to afford all of these extra commodities for their customers because they don't have physical locations. That can add enormous amounts of fees having to pay more employees and property fees. Choose ally for sure!
I authorized a $25,000 withdraw from my checking account to fund a new Ally CD. Ally did the withdraw...TWICE. There is $50,000 gone from my checking account without my authority. When I called them, they said "oops"; we will refund the money in 48 hours. 48 hours later, no money. When I spoke to customer service they said it would take 4-5 more business days to return the $25,000 to my account. This is CRIMINAL. Do NOT link your checking account to your ALLY account. In fact....STAY CLEAR of this bank. They are thieves. I just hope they return my money. I will update when I see the money in my account.
Update...more than a week later, still no money in my account. So I went to my local bank and had them do a transfer back into my local checking account from Ally Bank using a "Written Statement of Unauthorized Debit" form. This form also severed ties with Ally and my local checking account. They are thieves, I repeat, STAY CLEAR of this bank.