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 tried opening a new account with Ally Bank and they refused to open the account because my wife of 46 years has no credit in her own name. This is the first and only bank in our 46 years of marriage that refused us.
I would not try to get an account with Ally.
Customer service is rude does not comprehend English and they do not understand how to do their jobs. They call 10 times a day even after you talk to them 3 times a day. If you decide to buy a car don't use Ally.