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'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.