Ally will steal your money. They are sugary sweet on the phone 24/7. CD matured? Want your money? They can't find your username. They're so sorry that's not the password they have on file. Sugary sweet 24/7 asking personal question after personal question, they'll keep asking and no amount of information is enough to satisfy them that you really are you. And no branch to go to in person (he he he). Hey, this isn't like some Ally trick ("computer glitch", "just a little more documentation for you to notarize and mail, again", "just a few more personal questions", "someone will call you back", "soon", "really", ha ha ha, you putz - but they are so so sugary sweet as they tell you that they are keeping your money, they're not giving your money back to you, they are keeping your money for themselves and they have hundreds and hundreds of lines to tell you about "bank security" and they "really want to protect your identity and your account" and that's why they won't give you your money back, not until you snail mail more notarized documents, not until you answer even more nosey personal questions (and if this goes on for 1/2 an hour or so, then "someone's going to call you back"). But no one calls you back. Then you get (24/7!!!) sugary sweet customer service rep's repeating the same lines, same questions, same demands, same lies same lies same lies. With CD's they delay long enough that the CD automatically re-news, then there are penalties to pay, plus more notarized snail mail to notarize and snail mail (and if its not certified mail then they're "so sorry" but they never got that, and if it is certified, then you just lost that fraction of a percent in interest higher than your local bank, then they still need more ...)
Don't open an Ally account. It's not worth it for an extra few interest rate percentage points "promised". It's absolutely not worth it for a few fractions of a percent m
My wife and I have a checking and savings account with Ally Bank and we LOVE It!!! Interest Rates are incredible customer service is top notch and unlike other banks such as Bank of America who we left fees are not an issue for things like needing more checks. I highly recommend Ally and their website and phone app is much better than that of Bank of America as well. People in the past I noticed have had negative reviews but it seems like most of their issues were self-inflicted. They never have done us wrong and they seem to being getting better with time even, so take that for what it's worth.
It takes too long to complete transactions. It took too long to credit my checks that I deposited with them and worst of all it is taking too long to get my money back. The customer service is very poor. I asked to close my account and have the check sent right away and I opted for the overnight Fedex. It was three business days later and I called asking where is the check, I was told that it was sent regular mail and it would be 7 to 10 business days before I would receive it. I then insisted on getting my money sooner as I needed it yesterday! Some customer service persons said I could have the original check cancelled and have another one Fedex to me but it still would take approx. 5 business days. I told them why is Ally Bank holding me up? I then asked for a Manager and this after 10 minutes holding on the phone. He stated that he was sorry but Ally Bank could not even cancel my check and that I would have to wait the 7-10 days to get my money. Needless to say this nothing short of robbery and I definitely will recommend everyone not open any account with these people. Oh, I was told by the manager that his superiors made the decision not to cancel the original check and that if there were charges due because of the money not being available they would look into reimbursing me. I told him the money was to buy a home and that if I lose the home due not enough money are they going to buy me a home?