I called on a holiday to open my account and was on hold for less than 5 minutes. The representative was helpful, patient and easy to understand. I wanted a joint account and a single owner account. She helped me get both accounts opened in the most efficient manner possible. I did most of the process over the phone and the last part on my PC. When I hooked the new accounts up to accounts at other banks that was easy, too. I have made my first two transfers and just have to wait for them to clear. The interest rates are better than other accounts that I have looked at and there are no fees for normal transactions.
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!