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 really can't understand the complaints about Ally Bank; other then when I added my wife to my accounts (it took them awhile) I've had nothing but praise for this bank. Customer Service is excellent - I've never waited longer then maybe a couple minutes and I can get help 24 / 7 (once I called at 3AM New Year's Eve -- yea, a little drunk-- but still got the help and job accomplished).
I'm drawing a higher interest rate with both my Saving Account and Money Market Account then I did with a 19 month CD at US Bank. I had and have a few CDs with Ally and one time needed to cash one in before the maturity date -- only lost the interest; other banks you lose the interest plus penalty. I use any ATM machine and they reimburse the charges, Bill Pay and all the extras - all free. Love this bank!
First of all, Ally out sources jobs to the Philippines. These are American jobs that they are paying third world people a fraction of the pay to perform. Ally could be employing Americans. To top it off these people that are receiving money that could be going into Americans pockets are the most infuriating souls to ever pick up a phone. They harass account holders and they are mostly Americans. Boycott Ally!