Minimum Opening DepositAccount may be opened with a deposit of any amount.
Monthly Service Fee
Annual Percentage Yield (APY)The account earns 0.10% interest on balances under $15,000 and 0.25% for balances of $15,000 or more.
up to 0.25%
Debit Cards & Using ATMs
ATM Fee ReimbursementsThe account includes reimbursements of any other Bank's ATM fees nationwide for up to $10.00 per statement cycle.Reimbursements are credited to your account at the end of the statement cycle.
Surcharge-Free ATM AccessAlly doesn't charge any fees for using ATMs nationwide. In addition, they'll reimburse you up to $10.00 per statement cycle for fees charged by other ATMs
Non-affiliated ATM Usage Fee
International ATM Usage Fee
Electronic & Telephone Banking
Online Bill PayIn addition to standard online bill pay features, you can make next-day electronic payments to help you avoid late fees.
Mobile & Text BankingThis institution supports: - A mobile-browser website to view account balances, view recent activity, transfer funds between Ally Bank accounts, locate ATMs; - An iPhone application to view account balances, view recent activity, pay bills, transfer funds between Ally Bank accounts and your accounts at other institutions, and locate ATMs; - An Android application to view account balances, view recent activity, pay bills, transfer funds between Ally Bank accounts and your accounts at other institutions, and locate ATMs.
Deposit Checks with Mobile PhoneThis feature is available on the iPhone and Android mobile application.
Email AlertsThis Email Alert feature enables you to receive: - Warnings when your balance falls below a certain threshold; - The bad news that your account balance is below $0; - Rate alert notifications.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free ChecksYou get Ally standard checks for free with your Interest Checking Account.
Monthly Paper Statements
Check Images with Statements
Online Check ImagesImages of canceled checks can be viewed online for 18 months.
Overdrawing the Account
Returned Item FeeThe insufficient Funds Fee is $25.00.
Overdraft ProtectionThis checking account Overdraft Protection from a linked Savings Account or Money Market Account: - Funds are transferred in amounts of $100 and there is no transfer fee.
About Ally Bank
Banking starts over, here and now. We are Ally Bank. And we believe that banking took a wrong turn somewhere between fees and penalties. So we're using our 90 years of experience to take banking in a new direction: Straightforward.
At Ally, we believe in the quaint concept that it's your money, not ours. That's why we offer rates that are amongst the most competitive, we give you 24/7 access to a real human. You can also depend on no monthly maintenance fees, no minimum deposits to open, and no sneaky disclaimers. It's just the right thing to do. Member FDIC.