Last Updated: 01/21/2026
SuperMoney User Recommendation Score +71
Strongly recommended17 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10% - 0.25%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
Ally Bank Interest Checking Review
The Ally Bank Interest Checking is offered by Ally Financial, Inc., a bank founded in 1919 and based in Detroit, MI. Ally Bank checking is available in 50 states and Washington, DC.
Key Takeaways
- Get paid before payday. Early direct deposit lets you access your money up to two days earlier.
- Savings Roundups. Boost your savings with Round Ups by saving when you spend. Ally can round up your transactions to the nearest dollar, then transfer the difference to your Ally Online Savings account.
- Avoid accidental overdrafts. Use Overdraft Transfer Service or CoverDraftSM service as your fee-free safety net. Or, use them both together for even more coverage. Plus, you can increase your CoverDraft protection from $100 to $250 after two months of direct deposits.
- Higher than average APY. Ally Bank Interest Checking has an annual percentage yield of up to 0.25% (depending on balance), which is higher than the national average interest rate on savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Ally Bank Interest Checking does not charge fees on ATM transactions .
- Up to $10 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Ally Financial, Inc. mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Ally Bank checking Pros & Cons
| Pros | Cons |
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Ally Bank checking FAQ
Are checking accounts from Ally Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #57803). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Ally Bank checking offer?
Ally Bank checking offers an APY starting at 0.10% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.10% - 0.25% |
What are the account minimums for Ally Bank checking?
Ally Bank checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Ally Bank checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $7.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Ally Bank checking charge overdraft fees?
Yes, Ally Bank checking charges a $25 fee for every overdraft.What features and perks does Ally Bank checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $10.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - Ally Bank checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Mobile Banking Services - Ally Bank checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Ally Bank checking?
The customer support email for Ally Bank checking is support@invest.ally.com.
How do people rate the customer service and user experience of Ally Bank checking?
Overall, Ally Bank checking is strongly recommended based on community reviews that rate customer service and user experience.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Ally Bank checking
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
12:00AM - 12:00AM
Tuesday
12:00AM - 12:00AM
Wednesday
12:00AM - 12:00AM
Thursday
12:00AM - 12:00AM
Friday
12:00AM - 12:00AM
Saturday
12:00AM - 12:00AM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
Ally Bank Interest Checking Community Reviews
Would you recommend Ally Bank Interest Checking to your friends?
EY
Eshaal Y.
Jul 19, 2023
May or may not recommend
Ally is the best bank account for me I lost my debit card, so I called them. and they lock it within minutes. They provide Free debit cards and the option to lock/unlock the card if lost or stolen. There is no charge on incoming domestic or international wire transfers,
No maintenance fees, deposit checks remotely, and 24/7 support, among many other things, make it a great choice. It shows ...Show More
U
Anonymous
Jul 11, 2023
May or may not recommend
Very good best checking account i have ever had in da world
HN
Haley N.
Jun 10, 2023
May or may not recommend
Ally gives their bankers the ability to earn interest on their money while it is sitting in your bank account.
U
Anonymous
May 26, 2023
May or may not recommend
I have nothing negative to report about Ally bank. Whenever i need to talk to someone on the phone it is always a person that actually is in the United States and is easy to understand. I can't tell you how frustrating it is to talk with someone whose accent is so thick it is a struggle to just stay on the phone with.
Sarah B.
May 26, 2023
May or may not recommend
After some exsessive fees and overdraft charged beyond reason at my former bank, its very refreshing to come across a truly hassle free bank. Of course it helps to actually feel like they want their customers to have any questions/concerns handled with the utmost courtesy and care! My last bank charged me $5 per question.
LL
Ling L.
Jan 20, 2023
May or may not recommend
Highly recommend! Ally is one of my favorite online banks. I've been banking with them for a few years now. There are no fees associated with the account, no minimum balance requirements, you get reimbursed up to $10 at the end of each statement for ATM fees, and you can pretty much do everything from the app (ie. transfer money, deposit checks, etc). On top of that, it's awesome that ...Show More
SP
Sofia P.
Jul 7, 2022
May or may not recommend
I switched to Ally from Wells Fargo and it's much better. The app is very easy to use, only annoying thing is you have to use a separate app to freeze your card or account, it's a little strange but I don't really need to do that often. They have a quick and easy way to approve using your card abroad so it's great if you like to travel.
Leigh W.
Apr 24, 2022
May or may not recommend
Ally has been a great bank so far. My favorite feature is that it shows you your balance after each transaction even if it is still pending. So I don't have to wait to see what I have left. My interest payouts aren't that much just a bit of change each month.
AT
Antonio T.
Jul 15, 2021
May or may not recommend
I highly recommend Ally Bank for anybody. There are a few minor inconveniences... One being that the customer support doesn't think things through, and if you have multiple issues with the same vendor, they just assume any credit from the vendor is resolution even though it was for a separate incident (they don't check dates or think things through)... Another being that you can't add cash directly. Other than that, ...Show More
Margie G.
Jul 19, 2019
May or may not recommend
I don't have any kind of an account with ALLY BANK so I'm not really sure what to say about them???
LC
Lisa C.
Jul 9, 2019
May or may not recommend
Good BANK, but I'm trying to sign up for online access first
U
Anonymous
Feb 6, 2019
May or may not recommend
So not trustworthy! Loan department supervisors
scams your payments especially around Christmas... then refused to talk to you after you catch on to what they did!!
U
Anonymous
Jul 23, 2015
May or may not recommend
When people tell me they have a checking account somewhere else, I always ask why? Ally is the best there is and there is no reason to use another bank. No maintenance fees, deposit checks remotely and 24/7 support, among many other things makes it a great choice.
U
Anonymous
Jun 23, 2015
May or may not recommend
Love my Ally account. I also love getting interest for my money. I have never understood how many other banks give you mere pennies. It's really, really troublesome. When I found Ally I was so happy to finally be getting some interest. It's not a bundle, but it's something.
U
Anonymous
Jun 10, 2015
May or may not recommend
If you want a banking experience that is smooth and easy, this is the bank to choose. Except for the fact that the website does go down periodically, I have nothing bad to say about Ally. They do what they say, which includes not charging any fees. Really glad I am a customer.
U
Anonymous
May 2, 2015
May or may not recommend
No real fees for anything, reimbursed ATM fees and great customer service 24/7. Able to deposit checks by taking a picture with my phone and great web servises. Everything in life should be this easy.
U
Anonymous
May 2, 2015
May or may not recommend
Even though they have no physical branches i do not miss having to go to the bank. If i have any questions i can get an actual person on the phone or just go online. This is the future of banking and i am on board!
Showing 17 of 17 reviews
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