I've been their customer since 2008. Had $180,000 no penalty cd and withdrew it with no hassle. When i tried to open checking, money market, saving and new cd account jointly with my wife after that, i could not do it on their website. I tried many secure emails, chat, phone calls, none of them could help. After one month, they found out their web system does not allow previous customer with no account open at that time to open new accounts. My new accounts were finally created via phone call that i least preferred.
My experience and many reviews here and everywhere taught me that, with no in person contact available, they must be suspicious of anything unusual to protect their customers. Many things that can be solved easily in person could become complex online or over phone. They don't give any clues that might be helpful to solve issues because that may make them easier for bad guys to do something bad to them or their customers. There are some disadvantages for online only banks. To benefit from what they offer with no headache, you must keep things as simple as possible. Do things absolutely right at first time, don't make mistakes when contacting them like answering wrong info.
The features they have include free atm access, best rates, no account fee, no checkbook fee, no ridiculous fees, online and mobile check deposit up to $10,000 per month. They are all true in my experience. It's good to have ally bank. Will recommend it to others.
The level of expertise to use online banking is very low. The online banking is very easy to use and manage.