Unfortunately, Ally has not lived up to my original expectation of a pleasant banking experience. On numerous occasions, the bank had gone back on its promises, denying me the bonus rate despite the fact that I had completed a CD term and routed the funds into a new CD or assuring me that funds were going to get applied to my other account with Ally and doing everything in their power to delay the process... The conversations were not always properly documented, making me loose countless hours on the phone, fighting to regain control over my money. One time, when I tried printing out a wire form online, it was unavailable. By the time the form came through in the e-mail, it was too late, and my request had to be delayed an additional day. And on, and on it goes...
I really can't understand the complaints about Ally Bank; other then when I added my wife to my accounts (it took them awhile) I've had nothing but praise for this bank. Customer Service is excellent - I've never waited longer then maybe a couple minutes and I can get help 24 / 7 (once I called at 3AM New Year's Eve -- yea, a little drunk-- but still got the help and job accomplished).
I'm drawing a higher interest rate with both my Saving Account and Money Market Account then I did with a 19 month CD at US Bank. I had and have a few CDs with Ally and one time needed to cash one in before the maturity date -- only lost the interest; other banks you lose the interest plus penalty. I use any ATM machine and they reimburse the charges, Bill Pay and all the extras - all free. Love this bank!
First of all, Ally out sources jobs to the Philippines. These are American jobs that they are paying third world people a fraction of the pay to perform. Ally could be employing Americans. To top it off these people that are receiving money that could be going into Americans pockets are the most infuriating souls to ever pick up a phone. They harass account holders and they are mostly Americans. Boycott Ally!