This is just a great bank. You call customer service you get a real English speaking courteous person on the phone in 30 sec or less that is very nice and happy to help you. There are no fees for any amount in your accounts and you get interest in both checking and savings. Everything is free... Free checks. Free Postpaid deposit slips and envelopes. Free Debit card good at ANY ATM in the country with NO FEEs. If you are charged a fee Ally reimburses you. Free over draft protection from either a Money market accnt or from your savings. Up to 6/ mo. Its just a great experience. I love this bank.
I've used Ally for several years. I love that they do not charge a ton of fees, and they reimburse ATM fees charged by other banks. However, the only way to deposit is by either an eCheck or mailing in a check. Their website advertises next day availability, however I have never had an eCheck deposit post in that time frame. They always take a week. According to them, this is because my account has too many over drafts. I've had two in the past year, while waiting for a deposit to post. They're awesome if you direct deposit everything, but check deposits, try to avoid them if you can.
Tried to transfer $250K into Ally. They transferred it TWICE. Overdrew me at my bank. Took DAYS to get straight while my money did not earn interest. Excuses, excuses, excuses.....don't think they'll get any of my business again.