Opened an account with Ally last year before tax time, and actually had our tax refund deposited to our Ally account after filing our taxes with TurboTax. Both TurboTax and Ally were great-- the tax return was submitted quickly with no glitches. Since then, we have used our Ally account for all of our checking business. We use the smartphone app to deposit checks and have never had a problem at all with the money being in our accounts the next business day. It is really easy and convenient.
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.
Due to leaving one job and starting another, had a delayed EFT check and then a paper check from the new job rather than EFT. Because my account was in overdraft and I had one other overdraft in the last three years, they said I had excessive overdrafts and put a freeze on my mobile deposited paycheck for 5 business days. When I asked if they were holding my paycheck until it cleared or for 5 business days just because they can...I was told when it clears makes no difference to them, because I had a negative balance of $66 my $1975 check is being held 5 days period. Needless to say I am moving all my auto payments to my credit union and closing this account. The credit union would of accepted my check and life would of moved on. Going with an internet bank does not pan out if life throws you a curve ball, they simply do not care what happens to you. I have learned my lesson AND am warning all my friends to stay away from Ally.