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 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.
Ally bank account creating was very simple. Talked to Customer service via chat and they answered all my question quickly and professionally.
Mobile app is very well laid out and easy to read as well as understand.
I believe some of the negative reviews are self inflicted and would have happened with any bank (in my opinion). I haven't been inside a bank in over 4 years, now I can deposit any checks from my desk at home, this is a no brainier.