DO NOT BANK WITH ALLY.
After four years of automated draft and getting their money on time, when we traded our Buick and Ally got their pay off, they continue to draft our account and a month later still trying to get them to refund our money. Although they are aware of the overdraft, we had to provide a certified bank statement and letter which they are telling me that it will be reviewed in a few days and after ten business days they will issue a check and if we are lucky we may get our money ten days after that, if they feel like it.
Customer service guys are like a robot, and each time there is a different answer.
Do not Bank or finance with ALLY. This bank simply SUCKS.
I tried opening a new account with Ally Bank and they refused to open the account because my wife of 46 years has no credit in her own name. This is the first and only bank in our 46 years of marriage that refused us.
I would not try to get an account with Ally.
Customer service is rude does not comprehend English and they do not understand how to do their jobs. They call 10 times a day even after you talk to them 3 times a day. If you decide to buy a car don't use Ally.