I use this checking and savings account for their high rates. I like the free checks and high rates, but the delay in getting deposits credited after the transfer is initiated is a concern. Money comes out of my other account on day 2 and then it is day 4 when it shows up in the Ally account and still not available until day 5.
Accounts statements are accurate and reimbursement of ATM fees is outstanding.
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.