I've had Ally online accts for years inc when it was GMAC and owned by the U.S. Treasury for a while. Their online system is the best of the many I have utilized over the years. I assume that FDIC makes my money safe. Liquidity by transfer to outside accts is always fast and unincumbered unless I have bought CDs; I have a lot of trouble cashing those in, so I stick to the online savings and money market accounts. Have had nightmare interaction with their so-called customer service reps who seem to be a boiler room in Pakistan maybe next door to Osama's old compound...I never phone them any more but have not had to for years so...touch wood for luck!
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.