I called Ally to set up autopay. That can only be done online. I started the autopay set up on line and found that the system kept reverting my payment back to checking even after I chose savings. I called- they could not help - the system gave errors. They said I would need to try again later. I tried again later, same issues and then finally I got one step further only to receive another error. I called again. They transferred me when the first person could not help. I logged out and in and refilled out the same information 5 times. The 6th time I got an error from the site, upon going back I was able to continue but only one step further until I was again at am impass. The person on the other end put me on hold (this was my 3rd time on hold) and told me I would need to make a payment online. I had already been told that I one time payment would accrue an additonal $15 charge, now the lady on the phone is telling me that is not the case. I can make a one time payment online without any extra charge. I have to sign completely out and back in for the 7th time and start from scratch entering routing numbers and more and was finally able to make a one time payment which is not why I started this whole process- I wanted to set up auto pay. At the very beginning of my last call I was told I could stay on the line for a survey. I did. They asked about 5 short questions to which I responded to 1 for them all(1-5 range where 1 was the worst) and then I was given the option to leave a voice message and was asked if I would like to share my voice message with others I said yes to that and waited for the beep they said I would hear to begin recording- what I hear was a click and the call had ended. Nice...
Ally bank offers great rates but mediocre service. When I got married and added my husband to the savings account it was a mess. My husband for some reason couldn't not get access to the account after many calls and emails representative finally figured out that they needed to create a separate username and password for him. After that was sorted we decided to expand to a high interest checking account where inspecifically told the representative that I do not use debit cards thus to only send us at, cards. Today I received a debit card and have been told that ATM cards are not offered or available. Debit cards are the devil and banks want you to use them as it benefits them solely. If you lose a debit card or someone gets access to the number, then all your liquid assets are frozen until it's all sorted out. With all the id theft these days I refuse to use these cards and am highly disappointed that I have no other alternative other than closing my accounts that's were so hard to open in the first place.
Have had ally for over 2 years. Best bank by far.I tell everyone about them. Can't believe they have anything to do with GM.
There's no monthly fee/minimum.& quick setup. But, that's common these days.
Interest on your checking.
No ATM fee. They even give you back the money the ATM charges you. One month I used $75 of ATM w/d's and got it alll back.
Low overdraft fee of $9.Free savings link for overdraft protection.
Transfer to other banks online.Free bill pay.
Deposit checks,popmoney, account details from your phone.
Customer Service is excellent too.
Never waited for than 4 minutes and most of the time there's no wait at all.App shows you wait time before you even call them. You can chat online for talk on the phone to someone 24/7 with almost no wait.
All communication they send you is stored in PDF that you can accesss.
I recently had to ask for a chargeback to MLB.com. They issued me a provisional credit in 3 days while chargeback is in progress.They sent me a form & prepaid evenvelope to fill out which I lost & reprinted (Luckily, all communication is in your profile). They even called me to make sure I didn't have any trouble filling it out.
The only situation you shouldn't consider Ally is if you make all your deposits in cash (no cash deposits), need integrated loans, or just really like going to a bank.