at Ally Bank,

Member, FDIC

Pros

No monthly maintenance fees or minimum balances
Access to over 43,000 free ATMs via checking or money market accounts
2.20% APY on savings, among the best you'll find

Cons

No way to deposit cash
For its savings account, Ally charges $10 for every outbound transfer after the sixth one

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Overall

4.5

An online-only bank, Ally Bank has become popular among people seeking strong rates and robust customer service. Because it doesn’t have to put money into physical branches, Ally is able to offer better rates and fees than brick-and-mortar institutions and can invest more in its products.

 

Ratings methodology | Updated Oct. 9, 2018

Checking

4.5

Ally offers an interest-bearing checking account with good rates, low fees and free access to over 43,000 ATMs nationwide. Ally will also reimburse you up to $10 per statement cycle for any fees you’re charged using an out-of-network ATM in the U.S. Although there is only one checking account to choose from, its rates are competitive, starting at 0.10% APY.

 

Note that Ally doesn't accept cash deposits. Your options include mobile check deposit, setting up direct deposit, setting up a wire transfer or sending a check by mail.

Online Savings Account
APY
2.20%
Min. balance for APY
$1

at Ally Bank,

Member, FDIC

cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Excellent
Fees
Low
Wire service slow
Great rates at this bank but be forewarned - their wire service is absolutely the worst I have ever experienced. No wires get processed promptly. In fact, you are lucky if they happen same day. Plan way ahead for any wires you need to send and make sure to continually follow up on the phone.
Overall
Customer service
Poor
Website / app
Poor
Rates
Excellent
Fees
Low
Misleading Customer Service
The rate of 2.2 is a good rate for a savings account but every time you call customer service its a long wait and you get 3 different answers from 3 different reps and they suspend your account without notifying you so I can't transfer my money. The only way I can get my money is to cancel my account which is what I am going to do. There are other options with the same rate and some that are higher so cancelling is fine with me since that's the only way I can get the money. I was very satisfied but after this experience that's all gone down the train.
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