Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
$0.00
Annual Percentage Yield (APY)
The account earns 0.25% interest on all balances
0.25%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
The 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.
Yes
Surcharge-Free ATM Access
Ally 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
Yes
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
If you are in a foreign country and use an ATM or make a purchase with your debit card, you may be charged a fee of up to 1% of the transaction amount for the currency conversion and/or cross border transaction.
$0.00
Electronic & Telephone Banking
Online Bill Pay
In addition to standard online bill pay features, you can make next-day electronic payments to help you avoid late fees.
Free
Mobile & Text Banking
This 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.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android mobile application.
Free
Person-to-Person Payments
PopMoney
Free
Email Alerts
This 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
Free
Checks & Statements
Unlimited Check Writing
Yes
Free Checks
You get Ally standard checks for free with your Interest Checking Account.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 18 months.
Yes
Overdrawing the Account
Returned Item Fee
$25.00/per item
Overdraft Protection
This 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.
Available
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.