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 don't understand all the hate against Ally Bank in previous reviews. I have had a checking account with Ally since 2011, after my local bank screwed me on overdraft fees, and have been very satisfied since. Signing up is painless, much less than what I have experienced at other online-only banks, and their website is very easy to use. In 2012 all of my debit card transactions were suddenly being declined and upon calling Ally it turned out my card number had been stolen so they froze my debit card. I wish they had notified me, but getting a new card was easy and I was not responsible for the fraudulent charge. I have only incurred one overdraft fee of $9 since banking with Ally and it was due to my own negligence. If you're tired of old-fashioned banking and their fees I highly recommend Ally Bank.
I checked savings because there was not an option for checking. 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!