I've made so far 8 auto payments online and I would say almost half (4 times) of the times it goes without a problem. The problem isn't so much with the actual transaction as it is to simply sign in! I sign in and then I get the,"Ally Auto isn't available right now. We'll have things back up as soon as possible. Thank you for your patience." So of course I now have to wait until the next day or continue to check throughout the day. Not a way to do business in the 21st century! I would definitely not bank with them if this is the service, lack of, that I have to go through for just the auto payment.
Ally has a good, scratch that, great product! No fee ATMs -- any ATM -- including the sketchy ones in bars (not sure you wanna use them anyways, but thats another story - when in desperate times). You don't have to check an app to find whether this ATM is free, like with Capital One 360 or other online banks. Sure those ATMs are abundant and free too, but you still have to consult an app.
But, and a big but, the customer service is horrible for anything out of the ordinary (which by the way is normally the reason why you would contact customer service in the first place - since something that should be working through self service is not working the way you expected). Short service times -- great; actual service quality -- not so great! For example, another reviewer wrote about their issue with the CD being processed erroneously twice -- 5 business days for resolution; or the reviewer with the minor account turning into an independent account -- multiple follow ups. That is horrendous. That's why people like going to branches since you can see someone there and hold that individual accountable.
My own personal experience -- I am new to this country (I think this will answer the question for the british expat who moved to the States as well) with new credit. They won't open an account for me since I don't have a credit score yet -- say what? Like, you need my SSN to verify my identify -- ok, I'll bite. No credit score yet. Hello! I am new here, let's contact customer service and lo and behold, after 30 mins "sorry we cant do anything!"
Anyways, policies are policies, but the customer service is horrendous to say the least.
The way I see it - capital one 360 may not give back all my ATM fees, but i get $50 right up for signing up for it, and that will last me for a while (in lieu of ATM fee paybacks from Ally, which, by the way, have a limit of their own).
It takes too long to complete transactions. It took too long to credit my checks that I deposited with them and worst of all it is taking too long to get my money back. The customer service is very poor. I asked to close my account and have the check sent right away and I opted for the overnight Fedex. It was three business days later and I called asking where is the check, I was told that it was sent regular mail and it would be 7 to 10 business days before I would receive it. I then insisted on getting my money sooner as I needed it yesterday! Some customer service persons said I could have the original check cancelled and have another one Fedex to me but it still would take approx. 5 business days. I told them why is Ally Bank holding me up? I then asked for a Manager and this after 10 minutes holding on the phone. He stated that he was sorry but Ally Bank could not even cancel my check and that I would have to wait the 7-10 days to get my money. Needless to say this nothing short of robbery and I definitely will recommend everyone not open any account with these people. Oh, I was told by the manager that his superiors made the decision not to cancel the original check and that if there were charges due because of the money not being available they would look into reimbursing me. I told him the money was to buy a home and that if I lose the home due not enough money are they going to buy me a home?