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BestMoney.com
Ally Bank Review
Named best online bank by GOBankingRates
Reviews 150
Ally
Ally
Poor
Reviews 150
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Chris Muller
Nov. 15, 2022
2 min read
Chris
Ally summary
Ally Bank, founded in 2004, has become one of the most popular online banks -- already ranking in the top 20 banks in the country by assets and over $100 billion in deposits passed in 2019. But they’re an online-only bank - so how do they fare against other, more traditional banks? Here’s our complete Ally Bank review.
Pros
  • Competitive deposit rates
  • Unique savings account features
  • No-fee checking and savings
  • 24/7 customer service
Cons
  • No personal loans
  • No ATM-finder on the mobile app

Ally at a glance

4.8
Editorial score

Fees?

No-fee checking and savings
5.0

Security

, FDIC insured, SSL encryption, supports 2 factor authentication,
5.0

Customer service

24/7 customer service
5.0

Online experience

Excellent user friendly site
5.0

Mobile experience

Excellent mobile app, no ATM finder
4.0

Ally Ally Visit Ally Bank

Advantages Over Regular Bank

Ally Bank was built as an online-first bank, so they have adapted their business model to cater to that. Here are a few advantages Ally Bank has over a regular bank:

  • High-yield savings

Ally Bank offers a 1.25% APY with their online savings account - which is about 15 times the national average. Interest is compounded daily and there are no monthly maintenance fees or minimum balance requirements. 

  • High interest checking

Ally Bank’s checking account earns a 0.50% APY when your balance is more than $15,000 as a minimum daily balance. If your minimum daily balance is less than $15,000 with Ally Bank, your APY is 0.10%. 

  • Raise Your Rate CD

Ally offers three CD options - a high-yield CD, a no-penalty CD, and a “Raise Your Rate” CD. The Raise Your Rate CD is unique because it allows you to start with an excellent rate (1.25% APY) and can increase your rate once within two years (for 2-year CDs) or twice within four years (for 4-year CDs) to take advantage of increased rates. 

Cutting-Edge Banking Services

  • Savings buckets

Ally Bank’s online savings lets you organize your savings into “buckets,” so you can save for different goals. For example, you can have a home down payment bucket, an emergency fund bucket, and a vacation bucket -- this way, you can visually separate your money and work toward individual savings goals, all within one account. You can have up to 10 savings goals at once.

  • Savings boosters

Besides having buckets for savings goals, Ally offers “boosters” to your savings balances. The first booster is recurring savings. You can just set it and forget it, scheduling a specific dollar amount to be moved into your savings account on any cadence that works for you. 

The second booster is Ally Bank’s Surprise Savings. Using an algorithm to analyze your checking account balance and spending, Ally will deposit “surprise” amounts into your savings you won’t miss. Over time, this is a great way to build up your savings without even noticing. 

  • Ally Invest

Ally Invest offers two options for investing. The first is Self-Directed Trading, where you can choose your own investments and pay $0 in commissions on stocks, ETFs, and options. There is no minimum balance required to get started, and Ally offers a wide range of tools and resources to analyze the stocks you want to buy.

Ally Invest also offers Managed Portfolios, which is more like a robo-advisor and is automated investing, with the added touch of human specialists. Ally uses algorithms to recommend a portfolio that fits your investment goals and risk tolerance, and there are no advisory fees. There are four portfolios you can choose from - Core, Income, Tax optimized, and Socially Responsible. In addition, 30% of your portfolio goes into a cash account that earns 1.25% APY. Plus, you can get started with just $100.

Traditional Banking Services

  • Loan options

Ally offers both auto and home loans. For auto loans, you can get a personal or business auto loan, and with a home loan, you’re able to do a new purchase or refinance. 

  • Retirement accounts

You can open an IRA with Ally through either a high-yield CD, a Raise Your Rate CD, or online savings. While this is not an IRA investment account, it qualifies as a tax-deductible IRA. Still, your investment is just in a high-yield cash account (CD or savings).

  • ATMs

You’ll have access to over 43,000 Allpoint ATMs in the U.S. for free. Ally will reimburse ATM fees from other ATMs up to $10 per month. 

Interest Rates and Fees

Ally has savings, CDs, and checking accounts. Here are the rates and withdrawal fees for each:


APYWithdrawal Fees
Online Savings1.25%None
Interest Checking0.50% (balances above $15,000); 0.10% (balances below $15,000)None
High Yield CD0.50% - 1.35% (based on maturity)60 or 150 days of interest
Raise Your Rate CD1.25%60 or 120 days of interest
No Penalty CD1.20%None

Customer Service 

Customer service is available 24/7 at 1-877-247-2559. We like that Ally will tell you how long the wait time is online before you call. And you can send a secure message through your account portal.

Mobile Apps

Ally Bank’s mobile app is available for Windows, iOS, and Android devices. Within the mobile app, you can do things like transfer funds, deposit checks, pay bills, send money, and check your balances. One thing we didn’t like was that you couldn’t locate ATMs directly from the app - you need to do this from Ally’s mobile website, which is an extra step.

Security

Ally Bank uses 2-step authentication and other security strategies to protect your information -- this includes things like SSL encryption, firewalls, anti-virus and anti-malware protection, online and mobile security, and more. They also provide education on fraud and identity theft, and personal security tips to help keep you safe. 

Conclusion 

Ally Bank is not flashy, but appeals to people who want to do most, if not all, of their banking under one roof, get competitive rates and have readily available customer service. While they lack products, like credit cards and personal loans, they are a viable option for your other online banking needs.

Ally Ally Visit Ally Bank

Chris
Written by
Chris Muller
Chris has an MBA with a focus on advanced investments and has been writing about all things personal finance since 2015. He’s also built and ran a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about Ally
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Reviews 150
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Excellent
8%
Great
4%
Average
1%
Poor
10%
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77%
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john aitchison
18 days ago
the rep I talked to re my problem was…
the rep I talked to re my problem was the most knowledgeable and helpful rep I have ever experienced dealing with banks
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terri foster
a day ago
Good Experience
I've been with Ally for a year. They've been great for me. I have one checking account and two savings accounts. Ally is not my primary bank. I get automatic withdrawals from my regular bank account into the savings account. I put money into the checking account to pay off one of my credit cards (because Capital One wouldn't connect to my regular bank account for some reason.) I've never had an issue. Never had a reason to contact customer service. The website and app work very well. The interest rates are always increasing. The one flaw for me is how long it takes to transfer money. If I want to schedule a payment or transfer to my bank account, it schedules the transfer for a few days from that date. It has always done what was requested on the date it said it would, but I wish it was 24 hours or less on the turnaround time.
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rs perez
2 days ago
Inaccurate information and it seems…
Inaccurate information and it seems they want to play games with your payments. Paid off the loan on the car and went to my account on line. My online account says I still owe $19.20. Called customer service so as to have a clear understanding. Customer service says I owe $19.21. After beating that around I decided to make a payment of $19.35 just to make sure I exceeded the requirement. The web site continues to tell you to check your required payment amount. I gave up, paid $19.35 and headed for Trustpilot to give them a 1 STAR review. My wife and I will be in the car market soon, and Ally Bank did NOT make the short list. Regards to all, Bob P.
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angel villalpando
6 days ago
Holy heck- if there was a way of giving…
Holy heck- if there was a way of giving a negative or partial star I would definitely choose that. Everything was seemingly okay with my account, until one day it started getting declined left and right. I immediately call in and the representative states that everything is okay on their end, but I could check with the security department if I wanted to be sure. The hold got long, as since she said everything was okay, I didn't wait to talk to account security (she did not say it was necessary, she said I could check to be sure). Fast foward to me trying to make another purchase with my card like a crazy person; Wow, to think that an Ally credit card could be used like a normal ol' credit card was a huge mistake! I get declined again, all for purchases well below my FULLY PAID OFF, available balance, DECLINED, DECLINED, DECLINED. I call back and someone who has fluency to their English finally answers and tells me that my account was flagged for fradulent activity-DUE TO A PURCHASE MADE AT A COFFE SHOP I GO TO ALMOST EVERYDAY. Then, to top this all off, it turns out that the security department only works 9-5 LOL. LIKE, how can you freeze my assets at any given time at any time of day but the only department that can undo that is out probably doing cocaine with cheap hookers. LOLOLOLOL Then, after wrestling with an automated system fit for the first 1984, telesales experience, I got through to the security department. The immature female on the other line didn't like the logic I presented to her, so I'm pretty sure she locked my account again, because she had the audacity of telling me "you're all set," knowing damn well she had probably raised the security on my account lol.. Anyway, I just canceled my account. Screamed at the poor supervisor Michelle. Unfortunately she was the one that got the short end of the stick on this, but at the end of the day, if you're okay with associating yourself with such a backwards bank (let me remind you that banks already provide no tangible service as it is), then maybe you deserve to get yelled at. The girl kept trying to overcome objections (at the worst possible time) and I think my level of yelling and frustration caused her to hang up the line without reading my cancelation disclosures.. In fact I was just bluffing and wasn't going to cancel... she canceled without my verbal authorization. Isn't that illegal? Damn shame that good business can be done by inefficient personnel, no? Get your credit elsewhere-unless you're down to have a conversation with these turds every day.
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philip cole
9 days ago
Somethings going on with Ally and it…
Somethings going on with Ally and it ain't good! I was limited by Ally to an RMD w/d amount to approx. $700 when I wanted $1600. The MD in the term RMD stands for MINIMUM distribution, not MAXIMUM distribution. RMD rules say: Account holders can and do take more than the RMD. If you have multiple IRAs, you may be able to withdraw the total from just one. THAT'S WHAT I WANTED ALLY! The Federal government is concerned that taxpayers will not take enough distribution, not too much as your agent explained. Under his view it would take years for my wife to zero out her account with Ally’s confined RMD withdrawals. I don’t want a phone call to explain this as your support doesn't agree with me or the govt. policy. I need a written explanation through email or letter misunderstanding on this issue. NO RESPONSE ON THIS REQUEST.
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linda
17 days ago
1) Hold times are over 60 minutes
1) Hold times are over 60 minutes 2) After confirming no early wd penalty due to RMD, I was still charged. 3) Many calls and secure emails (promised to reply in 2 business days) are still unanswered 4) Tried to deposit the check I received from Ally, using Ally Online Deposit, but it was rejected. 5) No replies this issue as well
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j burr
18 days ago
Went to set up new account
Went to set up new account. Since than nothing but problems. No answers and no help.
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salman a
22 days ago
I though that I joined Ally on a…
I though that I joined Ally on a Wednesday, come Friday, they want more actions from me: The want me to verify my current Checking account. I thought that this was done, while I was on the telephone with them. Why do it again? Oh, their CS is in India, which explains their trouble with the English language, and Arab-Americans.
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bj baughman
25 days ago
Ally bank closed my account for 2 days because i want my money back from matured cd.
Ally bank closed my account for 2 days, then send me emails saying they sent me a message. I have 3 cds with them. I told them i dont want to renew the no penalty cds. They transferred one small cd when it matured but renewed the other. They wont return my life savings. In march another cd will mature and i am afraid they will say they renewed it. I am 85 years old and they are trying to steal my 55,000.00 savings. Where is any help??? I dont know what to do about a crooked bank. They refuse to verify me when i try to log into my account.i havent done anything except say i want my money from my no penalty cds.
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george black
a month ago
Online banking with ALLY has degraded…
Online banking with ALLY has degraded so badly in 2022 we became afraid and switched banks. Their stock price is crashing and we think they are experiencing liquidity issues. Insane bank regulators are allowing Ally to prevent customers from paying scheduled bills and accessing accounts. We just move $40k out to a safe bank. WHEW.
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robert
a month ago
Very bad customer service
Ally Bank is good about taking your money but fails big time when it comes time to give it back. Expect a bunch of paper work and many days waiting when you try to transfer the money out. As of today, I am waiting 12+ days for Ally Bank to wire transfer money to another bank.
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scott m
2 months ago
Ally brings on 3 stooges customer service
Ally customer service quality has really gone downhill recently, not sure why. I scheduled a wire transfer 3 DAYS IN ADVANCE to buy a car at an out of state dealership. 1ST Ally customer service rep next-day verified the wire request and said the scheduled transaction should go as planned since he’d now list it as “expedited” in their system. 3 DAYS LATER (Purchase day morning): Still no Ally email or app notice of processing underway, so I called. 2ND Ally service rep said 1ST rep had not changed status in system, apologized and said to watch the app or email for progress. She reminded me that “wire requests are completed in the order received”. I reminded her that Ally had received THIS wire request 3 days prior, and she acknowledged. Still no word and now pushing the 3:00pm deadline used for SAME DAY wires, I called again. 3rd Ally rep told me “I’m glad you called me back now” … because that wire (still) isn’t on today’s wire processing list. She said she’d make sure it got sent on for processing same day. I told her that she was telling me the same thing the 2nd rep had told me. 3rd rep said she’d keep me on hold while she called the responsible department to verify this “because you sound like you need reassurance”. She added that the wire would be deposited today by the 6pm deadline and to “ignore emails & the app” Ally then emailed me at 5:09pm that processing was underway. 5:33pm email said wire was sent. Was it? Unfortunately (for me), dealership’s finance office closed at 5 and so can’t verify wire to release my vehicle. I’m writing this review sitting in an out of state (Michigan) motel room. I have to go back to dealer tomorrow morning to see if the Ally 3 stooges ever finished their show.
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ron tone
2 months ago
THIS IS ABOUT ally.com INVEST
THIS IS ABOUT ally.com INVEST. horrible and beyond horrible AND they should all be in prison. I HOST a tv show on SCAMS and no scams. AND THEY ARE In my face JUST daring me to get them arrested. THEIR on the phone INVEST reps TELL ME that their INITIAL on the phone INVEST REPS lie about how OFTEN then manually manage the INVEST side. THEY MANAGE it VERY un often. THUS helping your MONEY collapse into the 11.2 % abysmal contraction that hit the MARKET in the united states. ALSO......when you are forced to FORM a disputer with your credit card money TO TRY and get your PRINCIPAL money back. ONCE ally HEARS of the dispute. THEY then,,,,,,TRIGGER another trigger that DIS ALLOWS YOU FROM ever depositing money again.AND THEN they tell you that you can sell out at any time and WITHDRAW at any time. AND THEN that is an intentional lie as well. AS THEY force your account TO SELL out of the INVEST position and force you to withdraw. AND all investment companies are NOW doing this. ITS CALLED....then NEW united states of america ANTI CHRIST country. AND THERE is other data financial evidence that SHOWS. that,,,,,this entire ONCE decent country IS SO FAR into intentional hell thats its all mind boggling.....TO KNOW how much INTENTIONAL demonic evil most of this countries people ARE ENJOYING the evil about.
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ms m
2 months ago
WORST RESOLUTION TO CUSTOMER
THE WORST RESOLUTION! HORRILBE! A NIGHTMARE! For years Ally customer service was actually good. In recent months, it has dropped to it's lowest level!!! Ally added the wrong debit card number to my checking account and they refuse to remove it. They have told me it is impossible to remove the erroneous card number that they added. The only recourse is to disconnect the checking account, re-order a new checking account with a new debit card number. I have spent months attempting to get this Ally created problem resolved! Shame on you ALLY! SHAME ON YOU!!!
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jb
3 months ago
What happened to customer service?
I've been with ally bank for roughly 7 years and they were great until recently? The past 6 months getting customer support with help has been horrible? I send secure messages and it takes a week to get a reply, only by then i got the issue resolved? I hit the chat button and gave up with waiting time. Im not sure what's up with ally bank lately but if they don't step up with customer support i may move on.
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dr. gunn
3 months ago
Missing social security deposit
Missing social security deposit. NEVER been late before; now it is just not showing up and is several days late. SSA adamant that the payment was sent, routing and account numbers are correct. 'Customer Service Operators' at Ally give me a different story every time I contact them on this. Transfer me to some other no nothing who just lies openly. Since starting the electronic paper trail on this my debit card has been blocked and can't seem to get it unblocked even after being assured that it is good to go. The more I try to find out where my deposit is the worst the nightmare gets.
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lou gagliano
3 months ago
Horrible customer service
Horrible customer service. Called them wanting help with a new IRA cd. There was a 58 minute wait so I waited. Finally after an hour someone comes answers says hello how can I help then the line cuts off. Called back this time I got an option for a call back. Over an hour later a woman calls me and she has no clue what an RMD is. She gives me an incorrect answer so I go to the web site and send a secure message. I get an email saying that they will get back to me within 24 hours. 4 days later they answered back. I have decided not to open my IRA cd with them and closed out all my accounts and will bank with Syncrony where you can talk to a live helpful knowledgeable person and they have even higher interest rates.
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pierre
3 months ago
Worst banking experience in my life
Worst banking experience in my life. Couldn’t get my money back from a business that took $700 from me. It took them 4 months which is past their policy time and failed to get my money back. They have cut my card off getting gas and locked it and wasn’t able to use my money for 5 days ( I was stranded) they have 1+ wait times with no call back. They disconnect every time your on line with them so you’ll have to wait an hour multiple times just to get a point across. They tell you different things than last time you called. Nobody keeps up with anything. They owe me $552 that they’re investigating even though I close my account months ago. I still haven’t received my money because an investigator is supposed to call me but it’s been a month still no call even though they ask me to call back every two days because they’re not allowed to update me. You better off getting this bank account just to sue ally bank
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mike steele
3 months ago
They used to be good but something…
They used to be good but something changed and it become a horrible ordeal for us to deal with them. Customer service is non existent and we are closing our accounts.
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vicki
3 months ago
Ally is GREAT for saving
I would not recommend Ally as a sole account/ bank. I have a savings account and they pay decent interest with no minimum. It's good for spenders like me- it takes days and days to transfer money to another account! I deleted a star because their site is slow and difficult communication with customer service.
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m coffeecation
3 months ago
I like Ally Bank
I like Ally Bank, a lot. Intuitive website, easy check deposits, customer service helpful. I switched to Ally Bank when People's United was acquired by M&T. The money I've saved at Ally on fees alone is worth the change. Reimbursement of $10 a month toward ATM fees out of network. In network free. Interests rates on the checking and saving are great. I'm suspicious of all of the BAD reviews. It doesn't seem legit or there are a lot of dummies out there.
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dwalto
3 months ago
Horrible Customer Service
This is the second time I've tried to contact customer service and had to wait 90 minutes to speak with a representative. Today I'm trying to stop an IRA rollover to the same term CD and have it rolled to IRA savings. They don't allow you to do this online so you are forced to wait 90+ minutes to speak to a representative who can implement your request. I've had an account with Ally for many years and was always pleased with their customer service- but no more. I'm moving to another bank. Something is seriously wrong here.
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ted mittler
3 months ago
Won't let go of my money
Two weeks ago, I wanted to transfer funds from my CD to a larger one paying more interest. Can't do that online. Have to transfer funds to another bank (not Ally), and then transfer funds back to new account. Tried that. Too large an amount for transfer. So I asked for a check. It still tells me too large to transfer. If I ever get my money, it is not going back to Ally.
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ron cobley
3 months ago
US Citizen....Opened an account from…
US Citizen....Opened an account from overseas many years ago, used to ne great service by phone. Now they don't answer the phone for like an hour when I call and also now want a connected US phone number (which I don't have and have not had for years and did not have when I opened the account) to even access my account. Did any genius in their decision making process ever think this through?
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nolan patrick
3 months ago
Use ALLY to supplement your bank, not replace it.
This is an excellent place to keep a rainy day fund and maximize your interest, but keep in mind there are many limitations. Still, I think the APY return is worth it. Sending wires to different, non-verified accounts is an absolute nightmare and customer service wait times are lengthy w no call-back options. You have to wait out that god awful voice over every 30 seconds, which is ridiculous. My advise is to use Ally to supplement another bank, not replace it. If you need to move money, send it back to your verified checking account at another bank, and transfer from there. This may add 2-3 days, but believe me its worth dodging the headache. You WILL NOT receive a notice for a failed transfer, and that has burned me. Also, you have to verbally confirm every piece of info from your transfer. That process took over an hour and was incredibly redundant.
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customer
3 months ago
They deserve no stars
They deserve no stars. There service is horrible. The wait times are an hour or more no matter when you contact them. If you get through (big if) they send you around to others who all know nothing. They are the worst. Once they said it would be over a 2 hour wait and to try back later. So, i tried at 6am, and still over 2 hours. Something very wrong.
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magda g
3 months ago
Long Wait Times/False Advert on Wire Transfers
Wire transfer was submitted before 3 pm ET a FULL TWO DAYS before needed to go into escrow on closing on a house. Website says that wires are processed same day if submitted before 3 pm. After 24 hours and no verification call, we spent >3 total hours on hold to finally get a hold of someone who said it was "delayed" but could give no reason why. When asked to speak to a supervisor, was advised that since wire reviews took place in a specific department, their supervisor wouldn't be able to help and that we should call back next morning. Called back next morning (day of closing) and have been on hold for 68 minutes already so far.
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jerry overcash
3 months ago
An online bank with customer service you cannot reach.
Having an online bank that cannot answer your customer service calls in less than 45 mins makes no sense. Ally questioned a charge to my debit card, which I immediately validated. They responded that all was well and the card could be used. I subsequently stood in line at the DMV only to find that my card was refused. I called Ally. Held for 45 min listening to a recording telling me how important I was to them. After someone finally answered I was sent to 2 different departments before someone would finally release my card for us. Embarrassing, frustrating, inconvenient and totally avoidable.
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critical thinker
3 months ago
World's worse customer service!
If there was a way to give zero stars I would because every time you call them you have to wait over an hour on the phone because there is no callback queue! I opened an account and it was suspended after a couple of days for a "fraud" alert,but fortunately I was able to deduce why and called them. The first time on the phone the customer rep said it would be fixed within 2 business days and obviously it was not. The second time one the phone after waiting for almost 2 hours before getting to loss prevention and phone battery died and there was no direct callback number to loss prevention. There was no way I was going to wait on the phone again so a sent a DETAILED email explanation to customer support and got a case number and another "promise" of a reply withing 2 business days and obviously no reply came. So I tried to call again today but this time I pressed the digit to report a stolen debit card and was only on hold for less than a minute I gave the customer rep my case number and I got transferred back to loss prevention. So my first question to the customer rep was did you read the email that I sent which created the case number? The customer rep said he had not and I said why don't you read it first and then if their still is a problem you can ask all the questions you like. The customer rep I friggin kid you not said he was not going to read it! At that point I told them "forget this", let's just close my account and The customer rep instead of closing my account just hung up! There is no way I would recommend Ally bank to my worse enemy! Judge for yourself because here is the ACTUAL reply: From: Ally Invest [redacted] Reply-To: [redacted] To: [redacted] Sent: 10/24/2022 10:41:37 PM Subject: **EXTERNAL** Account Opening problems - Case Number: [redacted] Thank you for contacting Ally Invest. This email is to confirm that we have received your communication. An Ally Invest representative will review your request and send you a response within 1 to 2 business days. To help track your inquiry we have generated a case number - [redacted]. Please use this number in any further communication. Regards, Ally Invest Customer Care --------------- Previous Message --------------- To: [redacted] of the Loss Prevention Department From: [redacted] We got cut off when we were talking because my phone died since I had been on hold for 2 hours before I got to you. So here are the facts again: 1. I sell on eBay and they no longer support PayPal so I needed to open a bank account. 2. I opened an Ally bank account on 10/17/2022. 3. I wanted to try an initial deposit from the bank account that my PayPal direct deposits go into. 4. I went to your website and put in the bank name, bank routing number, and bank account. 5. Your website made two small test deposits into that account and they showed up on the PayPal website. 6. I went to your website and put in the two test amount values and my account was verified. 7. I went to the ebay website and put in your routing number and my account number and ebay succesfully linked to my account and will start making payments to it. 8. When your website tried to reverse the two small deposits in my PayPal account, your request was rejected because that banking account can only accept deposits and not perform withdrawals. 9. That got my account tagged by you loss prevention department and my account suspended. 10. So I called you guys after being on hold for over an hour and another hour it took for me to go thru the whole story twice with the ordinary customer servive rep and the loss prevention rep. 11. I was told the suspension was going to be lifted off my account in 48 hours. 12. So now it is 5 days later and my account is still suspended. 13. So I called today and was on hold yet again for almost 2 hours and I finally got to [redacted] in loss prevention when my phone died. 14. Ebay has a payout planned for tomorrow or the day after so it is IMPORTANT that I get my account unsuspended ASAP. 15. The upcoming deposit from eBay's bank account will more than cover the two small test deposits that you cannot reverse out of my PayPal account. 16. You will be screwing up my eBay payments if that upcoming payment is bounced for anything other than the bank account closed. 17. So either unsuspend my account or close my account ASAP so that I don't have to get on the phone with eBay explaining why you won't accept my deposit when my account with you is still open. Please email your response ASAP, [redacted] Ally Email Identifier: [redacted]
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alysa
3 months ago
Customer service needs help
Why do you have to wait an hour + no matter what time you call. Also you customer service employees are not that knowledgeable. I even had one hang up on me after waiting for 2 hours. Seriously you are a bank. This is over the top you really need better customer service department.
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tamara cooper
4 months ago
They froze my brand new account
They froze my brand new account, because I had money deposited on there and without the debit card I wanted to access my money. So I connected that account to my other bank accounts to attempt to transfer the money into an account I do have the debit card for. They since have closed my account and the money is unaccounted for at this time. I have called but it takes half an hour to get anyone on the phone and they have to redirect me to someone who has been assigned my case to review. That someone has not felt the obligation to inform me as to where my money is at this time. I was told that IF the money was legit they'd mail me a check. However I had recently moved and I don't know when or if I'll ever see the rest of my money. Thankfully I was able to transfer some of it before they froze my account. I'll never recommend this bank. It's been nothing but trouble.
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ericka
4 months ago
ALLY BANK CAUTIONARY TALE FOR ANYONE…
THIS IS A CAUTIONARY TALE FOR ANYONE WHO IS THINKING ABOUT ALLY BANK. DO NOT DO IT. YOU WILL REGRET IT. BANKS WITHOUT BRICK AND MORTERS ARE A SCAM. DO NOT DO IT. I was a customer since May 2021. I thought they were convenient and no hassle. After the first year i went through a divorce and that's when my issues with them really started. i utilized the negative overdraft option to much and they closed my account. I understood that, but they claimed they sent me a letter a month beforehand telling me that was their plan. The app and the online system communicated to me that i had until November. They froze my account on pay day and i have not received money. I called and yesterday I was on hold for close to three hours and still nothing. I am on hold as we speak and they said 40 minuets. I need my funds and i need to pay my rent. This bank literally left me with no money, froze my account and has me on hold for three to four hours at anytime again, STREER CLEAR OF THIS BANK!!!!!
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plk
4 months ago
Find Another Bank
I have been a customer of Ally for years but in the past year the customer service I would rate now as “F”. The automated phone line is worthless and most of the time it takes 20-60+ minutes of hold time to talk with a service associate. Online is frequently totally or partially unavailable or not working. It takes days to receive answers or help using their secure email. Not worth the aggravation. Bank elsewhere.
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diane bazinett
4 months ago
On 9/30/2022 I moved my money from Ally…
On 9/30/2022 I moved my money from Ally after being a customer since 2016. The reason was lack of getting someone on the phone in a reasonable amount of time. The representatives are all fine but Ally is obviously not hiring enough people to resolve this issue. I also noticed that it takes forever for my account information to load. To top it off, when I moved my money from Ally to another account they declined the transfer saying "insufficient funds." Took over 35 minutes to get through to Ally and asked them what the heck they were doing. They said I had the funds but it was a "timing issue." Bunch of crock. This caused the other bank to close my account I had set up and took me 4 HOURS in order to resolve the issue. They are going to have a lot more people closing their accounts with the way they conduct business. Unacceptable. Love the bank I'm at now - they answer their phones promptly.
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james
4 months ago
Going Downhill Fast
I've been an Ally customer for years, but recently, their service has really gone down hill. Wait times to speak with a customer service rep have skyrocketed (I'm talking an hour or more vs. 5 or 6 minutes in the past), "instant" debit card transfers from Apple Pay, Google Pay, etc. take 24+ hours to process, debit card transactions are declined for no explainable reason, Zelle sending limits are reduced randomly... the list goes on. Another point of frustration is their new "CoverDraft" service. What's the point of offering an overdraft buffer it if customers can't use it reliably? I tried to use my card to spend $10 to get lunch... declined. But Netflix goes through just fine and overdrafts my account $15+. I'm switching back to Wells Fargo, they haven't ever given me half as bad of a headache as Ally has recently.
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cleave elmore
4 months ago
I have been an Ally customer for two…
I have been an Ally customer for two years. Experience very long hold time when making attempts to contact them. I want to transfer money from my savings acct. to a certificate of deposit, and need some info.....I will transfer my money to another bank. It is obvious that they have some very serious problems.
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joseph
4 months ago
Bank
They aren't always knowledgeable about there apps and have LONG wait times
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christopher
4 months ago
Never a problem with Ally
I have never had any problem working with Ally. Reading all the negative reviews made me wonder. I have dealt with customer service on the phone and they were great. So far, I feel confident with them having my money. Their interest rates for savings are always on the highest leading edge. 100% satisfied.
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dcarlisle
4 months ago
Slow and don't do things like an Internet Bank...
This company says they are an Internet Bank BUT they won't do much electronically. Five years after paying off my loan the lean is still on my car at the BMV, naming Ally as the lean holder. FIVE YEARS! BUT when I called Ally to get a lean release letter they won't email it! They will FAX it but not to me to the BMV! Who even uses faxes these days ? Even the BMV's faxes are delivered electronically to their computer! SO why not just email it! I messed with Ally trying to get them to fax it for 10 days with no luck so I just called to have them mail it. I was told 7 to 10 business days! WHY! Are we in the 21st Century? Are they? I'm telling you, this has been one of the most frustrating things I have gone through. And if I can't get what I was originally quoted for my car because I couldn't get the lean released, I am going to be even more unhappy than I am right now! If you're going to call yourself an Internet Bank ACT like an Internet Bank. Go paperless! Electronic! SO glad I didn't go through them with my new car!
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wmz
5 months ago
Execrable service
Couldn't agree more with previous bad reviews. Tried to send 2 Zelle payments. The first went through with no problem. The second did not - for no explainable reason. And they froze my accounts - again for no explainable reason. After an hour on hold and transfers, all the customer bad service rep would tell me was that they had received a 'fraud alert' from Zelle - but had no idea why. Transferring my money tomorrow.. Don't use them.
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t. nguyen
5 months ago
Your deposit money in Ally via Zelle transaction is NOT SAFE. It may be reverted to senders without your approval..
I got Zelle money from a client via Zelle to my Ally. After 5 weeks, Ally reverted the fund and deducted my bank account without my approval or any communication. After a day of contacting them, Ally said that because Zelle sender reported to his Wells Fargo that the money was sent by error, Wells Fargo reject the transaction. It means that the Zelle payment that you got from Ally is not safe at all if the senders just report to their banks that it was sent by error. Now I moved all my money from Ally to Sofi and other banks. Same interest rate but better customer service.
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chad dorman
5 months ago
Awful Communication -Records
I don't want to give a star, but that's the lowest option. This is literally the worst company, there was one other I always struggled with too. Most company's are ok or good. I have spoken to probably 20 people faxed documents given specific details. Burt they still say I owe them, truth is they owe me almost $700. Car was totaled, Auto insurance and GAP both paid
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august
5 months ago
Don't even bother if you use Zelle
They have blocked my Zelle three times now, all when I have been sending money to the same person the entire time (Usually in sums of 500-1k, for reference the limit for new accounts is 2k). Wait times are long and to get my Zelle unblocked I usually have to be transferred between 2-3 people, easily taking up 2+ hours of my day every time this happens.
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jamie rhoads
5 months ago
If you want to send a Zelle from this…
If you want to send a Zelle from this card, expect to wait 2 or 3 days for the money to hit. Also, about the same wait time for electronic checks. Complete trash!!!
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lawrence wendt
5 months ago
Bill Pay Delays are excessive
Have had Ally accounts for a long time. Unfortunately, service has declined steeply over the last few years. Most recently I used the bill pay service to generate checks and the bills that were supposed to be processed on September 1st and 2nd have still not been provided to the payees. It is now the end of the day on September 9th and no checks (there are 5) are received. 37 minute wait for a chat with a live person. A week ago I tried to call and it was 7 hour wait. When things work as expected and it can be done in the e-portal, Ally is fine. If anything goes wrong or you have a question that cannot be answered by the AI bot, it is not fun. I hope someone at Ally is listening!
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roger
5 months ago
They just don't care about customers.
They just don't care about customers. My debit card stopped working - not sure why, and nothing online suggested any problems. So I called, and quickly talked to someone who said there was no problem. When I told her the card had been repetedly declined, she said I was lying (not in so many words). Over five hours on the phone later, no answers. Each Ally Bank rep I speak with gives different answers. They just tell you anything they feel like - there's no way to assume that, just because you're told something, it is in fact the truth. Also, for those of us who are Americans living abroad, please note that they are utterly unable to deal with non-US phone numbers or addresses and will routinely screw up both. They will promise to call back, and they won't do it. They will change your address so that it doesn't match what you put on an online form, blocking your card. You can try to change it back, but it takes hours and it'll revert to something wrong soon enough. This used to be a great solution for US expats. Now, it's just a constantly-deteriorating customer service hellscape. I'd strongly recommend avoiding until they fix their customer service.
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allie
3 months ago
High levels of spam and difficult to opt out
They send so much spam that I will never use their services again. Its overwhelming. The majority of companies do not make opting out simple. You often have to confirm you're opting out and blocking them is ineffective. You have to open up the unsubscribe and enter your email, click unsubscribe and then confirm your choices.
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eric hecox
5 months ago
I get a text from Ally
I get a text from Ally, it seems I'm behind a payment on the car. I closed my business to take care of my wife, who is now bedridden with MS, and closed the two business accounts. I searched diligently for any automatic payments coming out of those accounts before closing them and must have missed Ally. I get a text about this, and since I will NOT talk to Bots, I called to speak to a person. After an HOUR I hung up. Do you Scumbags want money? Have a HUMAN BEING call and ask for it!
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jim
5 months ago
Beware! Higher interest-lowest customer service
Several years ago I moved a large part of my cash retirement savings to Ally to get better interest rates. The interest is better than my credit union and old bank, but beware. This is my third time to need to access my account to move money and am unable to access my account. After >30 min on-hold and speaking with customer service, they were unable to get me into my account, despite giving all security info and doing "troubleshooting". I was then told it would be at least another 15 minutes to get in touch with "technical support". My only option at this point was to move all my funds out to my other bank. The customer service person did this very efficiently. I will get my funds in "3-5 business days." If you want a fraction of a percent more return on your savings it might be worth it, but not for me. I Thank God this isn't an emergency.
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juana hernandez
5 months ago
No hay trato con los clientes,mi esposo…
No hay trato con los clientes,mi esposo y yo tuvimos COVID pero estábamos muy mal,pedimos una extensión y fue dada,pero los documentos fue en inglés y no entendimos q teníamos q pagar 189.00 dólares y hablé con una supervisora y en verdad no hubo ayuda, voy a tratar de pasarme a otro banco,nunca habíamos pedido una extensión y los pagos lo tengo automáticamente.
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joel camacho
4 months ago
Ally used to be great, but has gone downhill fast. Terrible customer service, outdated and buggy tech.
I used to love Ally. Was with them from 2013 until recently. However, I've noticed that their customer service has gotten worse and worse over the last few years. Wait times have been getting longer and longer. Last time I called, I waited almost 80 minutes to speak to a rep. Reps promise to get back to you and never do. After waiting a while to speak to someone, I was told their system was down and they couldn't help me. What a joke! I would not be surprised of the above, since their tech is very outdated and riddled with defects. The Ally app is incredibly buggy. They are one of the few banks that still issue old fashioned debit cards without NFC. I've also had quite a few very strange transactions get mislabeled with the wrong merchant's name, leading me to believe that the transaction was fraudulent. Ally admitted it was their system that was causing these issues. However, I suspect something else is also amiss that they are not revealing. Aside from the mislabeled transactions, I've had other fraud alerts pop up, and in the last few years, have had to have my card replaced at an alarming rate. Others have speculated Ally had some kind of breach, and I wouldn't be surprised. Their dispute department is horrendous and constantly fails to follow up on things and keep their promises. I opened a dispute about a refund I was entitled to get from a merchant to whom I returned a purchase back in March. I submitted everything I was asked to. I must have called about 8 times about the same dispute, because it just kept falling by the wayside. Claimed they would send me documents, but never did. Promised to call me back after a certain amount of days, and they never did. They eventually rejected the claim because apparently, all the merchant had to do was deny the refund, even though I already sent back the product. Ally, apparently, was powerless to do anything about it. At the end of the day, their "dispute department" did nothing different than what I had already done, which was reach out to the merchant. Many banks would process a chargeback in my situation, but not Ally. A Big Bank that fails to provide adequate purchase/return protection for its customers. In short, avoid at all costs. There are better alternatives that are offering much better rates, technology, and customer service.
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chris
5 months ago
Ally refused to honor a check
Ally honored my personal check then reversed the transaction the following day without providing any reason. Funds were available, I wasn’t disputing the amount, etc. Now the car dealer is threatening me with significant return fees and I can’t even get a straight answer as to why the check wasn’t honored. It takes 6+ hours to get a response via IM and over an hour to get through to a live agent. I finally got through and the agent Melissa couldn’t/wouldn’t tell me the reason just stated I have to call back at a different time to talk to their ‘special check department.’
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amay
5 months ago
I hate to write this but the time has…
I hate to write this but the time has come. I have been using Ally Bank for over 15 years, I'm guessing? Or longer. Up until about 2 years ago, I RAVED about Ally Bank. Loved it. Loved everything about them. Fast forward the last 2 years and I have watched its steep decline in customer service. I have never spent so much time interacting with them then in the past 2 years...the interactions became more frequent because of problems, long waits, then long-winded, not based in fact/reality, often leading me down the wrong path and leading to more phone calls. Today... 2-hour wait to talk to a rep because the feature that I could have utilized online - not working. Chat was a 2-hour wait as well. These poor customer service reps deserve battle pay - I am sure. At least the one's who have been talking to me. The idea that Ally was hacked on some level and has not said anything to their customers is unforgivable and the final straw that I will now be moving banks. It angers me that it is so bad that I need to up-end my life to feel like my bank is my partner. Ally Execs...if you do not understand how horrible your company has become - you better get a clue. My buck stopped with you....
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amanda tooke
5 months ago
Pull your money out now while you still have it
What in God's name is wrong with this place?? When I first signed up, it was at MOST a 2 minute wait to talk to customer service, they were pleasant and helpful. Instant CashApp deposit. It was their only saving grace, other than the free checking account, which I can find elsewhere (and am doing so as we speak. Don't keep your money here). No more instant CashApp deposits. Hour-long wait times on the phone, if you're lucky. In the two years I've been with them, I've had to replace my card TWICE due to fraud. Today was the absolute end. Two weeks ago, I had 4 or 5 fraudulent transactions. Bizarre scam call; the automated message knew my full name, last 4 of my social. I locked my card, and called to get a new one. After 50 MINUTES, I finally got through to someone. Halfway through the conversation, right around the part where the rep confirms my address to send me my replacement card, the call disconnects. That sealed the deal. I'm in the process of leaving this hellscape, and today I see a $1 deposit. Microtransaction scam, obviously. This was only possible if they accessed my LOCKED CARD or they have my checking account numbers. This place is ridiculous, and from the other reviews, there's obviously been a breach. Find your nearest credit union and steer ABSOLUTELY CLEAR.
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rebecca mchugh
5 months ago
The Watch Dog is Attacking the Residents
I have been an Ally customer since 2018. I have multiple accounts with them and also opened a traditional and roth ira for my husband a few years ago. My husband is now retired and has a terminal illness. All we wanted to do is move his 401(K) money to his traditional IRA via a direct rollover, a form I downloaded from their own web site. We got a call to contact them for info verification. Fine. I understand. However, for over 15 years, my husband has delegated our personal finances to me, so he knows we have accounts there, but was not certain exactly what all we had. Furthermore, he has been on pain medications due to his illness. his thinking has been cloudy thanks to it, and the phone was skipping. He has rarely if ever had to jump through the hoops and so he was not able to complete the third degree excessive line of questioning. Even more, the IRA agent claimed to have sent some kind of code to his cell phone but we never got it. I thought perhaps it was a problem with his cell phone account but when I checked it by sending a text from my phone, it went through immediately. Their genius way of handling now is to wait a few days for someone to call us back, and to lock all of our accounts instead of just putting the rollover on hold. I have a disabled daughter who has a custodial account with these clowns too, and social security deposits our money into our checking account which we cannot access now to pay rent and other bills. Nothing like getting a watch dog only to have the dog attack the residents and the guests they invited. We are being treated like criminals, as though we are Russian oligarchs or something, when all we were trying to do is move his 401(K) retirement money into their institution. What good is a high interest rate at their bank when they pull stunts like this? We no longer feel safe keeping our money there. Hopefully this will be resolved soon but I am too disillusioned. It has not been the first monkey wrench their own incompetence has tossed into what should be mundane transactions but none of them got so bad as this. (Usually, it was very long processing times because of "problems in the mail room" and stuff like that, so I learned not to use their bill pay to send checks for anything too time sensitive). I am willing to suck it up if I made an error, but we did not do anything to warrant this level of overkill. We don't feel safe with our money there anymore and so will move everything out to either Fidelity and/or a local credit union.
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rudy gomez
5 months ago
MY ALLY BANK EXPERIENCE
I've been with Ally Bank going on 3yrs. At first it was a good bank and it still kinda is. I've had no problems with them until recently. My instant deposits for example from coinbase, cash app use to be instant. Now I have to wait at least 24 hours for deposits even to show up. I'm close to looking for another bank in near future.
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jose gabriel contreras
5 months ago
Horrible company
Horrible company. They removed the chat feature now the only way to talk to them is waiting 2 hours on a phone call. They blocked my card and no one is there to answer. I'm stuck at a doctor's office without any way to get through to them.
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laura
6 months ago
Inside job at the bank - I was a victim of fraud
We have our Ally accounts set to notify every time a transaction greater than $1 posts. On 8/14, received notice that three charges were made at roughly the same time, using a debit card which had been LOCKED since the day it was activated, and had NEVER once been used for a transaction. We waited on hold for over an hour to talk to a rep who then kept us on the phone for over an hour: end result after 2 hours - they did nothing to block the charges (which were still in pending status) and said we would not be able to open a dispute until after they posted, which all three of them did the next day. Rep even had the nerve to suggest we call the merchants to make sure these were not purchases we made and forgot about! Ally CSR was so unhelpful that I immediately reached out to all three of the merchants to notify them the online orders were fraudulent. All 3 said they would cancel the orders (one admitted that the order came through flagged as high risk for fraud, another one wanted assurance that we hadn't already opened a chargeback before she would issue the refund). Those two merchants ended up canceling the orders and Guess What?! The refunds came from the SAME PERSON! even though the orders were placed on what appeared to be 2 unrelated websites. We are still wrangling with Ally over the third charge which was not refunded. Why do I say inside job at the bank? 1) How can a "locked" debit card be used to make purchases unless it was unlocked for a brief window by someone with the power to do so? 2) How does a card which has never been used for a single transaction or withdrawal become compromised? 3) How likely is it that a rando crook happens to use a stolen debit card at 2 unrelated websites that coincidentally just happen to be owned by the same person? I am not the only customer this has happened to. Look up the Ally Bank thread on ConsumerAffairs.com, same day August 14, 2022 - someone else with a very similar problem.
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steve
6 months ago
Ally Bank asks a bunch of questions…
Ally Bank asks a bunch of questions involving your personal information to verify you when you call in. Good. But if Ally calls you, they also ask a bunch of questions involving your personal information to verify YOU when THEY call YOU. So how do you know it's really Ally Bank calling and not a scammer? I gave them a simple solution and they rejected it without any consideration. They want to protect themselves, and don't give a flying-flip about allowing you to protect yourself. Find another on-line back. Ally is despicable.
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katie ambrose
6 months ago
Rapidly deteriorating customer experience
I use Ally’s personal checking account service. I switched to Ally from Chase 6 years ago because I liked the perks at the time, but it has been harder and harder to remain a loyal customer and now I am switching to Chime. The technology is so outdated. I am the only person I know who cannot use touch to pay with my card regardless of how new the card is. I can’t add my card to Apple Pay despite several attempts and support calls. I can’t pay via Venmo without transferring the money first which takes 3-5 days. I can’t deposit cash. And I was recently surprised to learn that they no longer support instant transfers from Zelle, Venmo, etc. to your checking account. It now takes 1-2 days, even for an instant transfer. Second, my card has been compromised several times in recent months even though my spending habits have not changed and the last time I could not get in touch with anyone via chat, phone, or email for 24 hours, even on the dedicated fraud line. That is really unacceptable. Unlike Chase, they will not review and remove fraudulent charges in pending status and they have to post to your account and then you have to go through a dispute process for each individual charge. Because of the lack of a physical location, there is no way to quickly get a new card or access your money at all. You are effectively locked out until your new card arrives. I sometimes wonder if they are not actively trying to shut down the personal checking part of the business by driving all their existing customers away. I don’t really see any benefit to continuing my business with Ally at all and would not recommend it to anyone else
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kimberly
6 months ago
Locked out and long hold times
I just created an account. Though their rate wasn't the highest, I was hoping I was going with a well established bank. It turns out the app doesn't work, and my attempts to log into the app have caused me to get locked out. Now I've been on hold for 30 minutes and am expected to be on hold for an hour just to reach someone to allow me to access my account....I'm already thinking of switching since I'm seeing so many negative reviews about their customer service.
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john dwan
6 months ago
Excessive wait times!
What is going on with Ally. The wait times for calls have been an hour or longer for weeks? It was never this bad.
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micheline lapointe
6 months ago
Worst bank to exist
If I could give this company 0 stars I would. Stay far away from this scam company. They only care about money and abuse their customers. Ally is not a company, it's a hellfire. I paid on time, but they still gave me past due fees for absolutely no reason. I returned my car to them, and they charge me every month. This is the worst bank ever. Stay as far away as you can people. I returned my car in May voluntarily because I had an upcoming surgery. Ally came to car in JULY. 2 months later. In June, they took money from my bank account. When they finally took the car. They continued to charge me and put Past due fees on my even if I returned the car and it was picked up. Ally abuses their customers to get money out of them. Stay far away from this bank. Only scam companies work like that. I just want to protect other people so they don't get abuses from Ally and end up a victim.
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gina rogers
6 months ago
I got an email from them offering a…
I got an email from them offering a $250 bonus for opening an account, I thought, why not since my car loan was through them (or so I thought) I was supposed to have the bonus 30 days after my first direct deposit, well almost 90 days later and no bonus and now they have to open a case to look into it. Don't go to this bank. I plan on switching back to my old bank where the wait times for customer service aren't upwards of an hour, if this isn't resolved soon. update: well I got the bonus, awesome!! Then I saw an unauthorized charge on my account so I wanted to Zelle my money to my husband so the scammers couldn't get it, turns out my husband can't get Zelle on his new phone so my money is in limbo somewhere. I have sent 2 messages and have been in chat for 7 hours and still no reply to my request about the fraudulent charge or about cancelling my zelle to my husband. 7 hours????? come on, no one is that busy!!
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customer
6 months ago
Have been with them before they were…
Have been with them before they were Ally. Customer service is a joke. Long wait times (read hours) then 10 minutes of redundant verification. Doing a wire on-line is a joke cause they still have to call (verification call timing is unknown) and verify everything you entered and I mean everything. What's the point of on-line? How about a call to verify I requested wire is ALL that is needed. IF you miss the call, expect the long wait to give okay at which the cut-off time is probably passed thus send a wire is mute due to the delay. Won't even get into the Zelle fiasco they caused. In process of moving my accounts for better service, wait times are unacceptable and policies do not reflect reality and frustrate customers.
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jay webb
7 months ago
Good Rates, VERY poor customer service
I have been an Ally customer since first of this year. I am still trying to link my outside Ally checking account to my Ally account. I've called 4 times with hold times from 24 minutes to 60+ minutes. Average hold is 35 minutes. After talking to a live person, I'm put on hold 6-20 minutes to be transferred to another department. Two calls said the department I need is not available and to call back. I've sent messages and emails. Don't believe their "Money" ratings. I'm looking for another bank.
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mark michelson
7 months ago
I had my phone
I had my phone. Activation on My debt card. They claimed that my card was needed to be verified. It was horrible experience long waits on the phone and no way too get I in touch with them. My password was perfect for them for years. It was now that I tried to wire money too my new bank. They blocked my account for yelling at one of there many loser tellers. I have over 800 dollars in my account. They were good but sucked for the last year. They have now frozen my account. It really sucks temporary I have no phone. I need it to call them
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ken s
5 months ago
Long Term Customer, But Not A Happy One
THE GOOD: I've been an Ally Customer for years - via acquisition first - and then became a "double customer" when they acquired my brokerage. For basically-free, interest-earning checking and savings accounts, they are the best I have found. THE BAD: Their website and (especially) their app have bugs and aren't nearly as easy to use as they should be. When I've reported the bugs, they've politely blown me off. Also, the brokerage's clearing firm, Apex, makes mistakes when reporting your taxable activity to to government. I mean, taxes are complicated, but not THAT complicated that their accounting bugs cannot be fixed over a period of years. I've never understood why they can't get it right. When your minor is no longer a minor, Ally literally doesn't know how to convert the custodial account to a stand-alone account. Two different reps gave me VERY different instructions. I've spent hours on it and gotten nowhere. Apparently, my 18-year-old can open a bank account at any bank on the planet EXCEPT Ally. THE UGLY: When I needed to withdraw funds to buy a house, Ally let me down badly. I started trying to wire the money to the title company on Monday morning. Ally Invest won't allow "third party transfers", so I had to wire it to my Ally Bank account. It took fully two days to achieve that step. And from when I requested the wire from Ally Bank to the title company, it took well over 24 hours, even though I had told them of my closing time and asked for anything they could do to help me meet it. They didn't even call to verify the wire until 24 hours after my request. I looked like an idiot at the Thursday closing, because the funds weren't there. I was really embarrassed and am now looking for a new bank. Another time, I was trying to pay off a loan. Set up a bill payment on the Wells Fargo loan for $50,000 (yes, fifty thousand). Didn't show up for weeks. I called Ally. That's when I learned that they MAILED the payment - seriously - Ally didn't do an electronic transfer TO ANOTHER U.S. BANK; they mailed a fifty thousand dollar check. So I asked them to stop payment on the lost check. They said they had. I sent a new payment. THEN THE "STOPPED" PAYMENT WENT THROUGH, and I had written a FIFTY THOUSAND DOLLAR HOT CHECK because of it. Talked to Ally again, and a "typo" had been made that allowed the supposedly-stopped check to go through. Inexcusable. Most recently, I bought an auto part - a transmission seal - for my daughter. I went to pay myself back from her savings account. Put in the notes for the transfer, "Advance Auto Parts - rear tranny seal". When I submitted it, Ally threw up an error message: "We've flagged one of the words you used in your response as abusive language. Try again without that word." OMG - I've been offensive toward transmissions without even knowing! Best case, Ally is incompetent. Worst, they're evil.
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chika onyekwere
7 months ago
Ally Bank can't be the big bad wolf they are scam
I bought crypto from paybis March 26 and this stupid company said I own them 5k later they credited my money only to debited with 5k bills damn America idots if u think u can can go around causing people emotion tumor and pain and sleepless night I got news I hate u ally and pnc birds of the same feather I hope u get engulfed by tornado so the birds and eat your stinking flesh ally dispute number 266423-438929 transaction 5045 merchant PBS Glasgow, GBR American is a mean and wicked country the bible says blessed are the affliction of the righteous but the Lord see the all I prayed Lord u destroy dose that have hurt me in Jesus Name Lord cause these land to be dark and slippery and may it never bear fruit CHIKA ONYEKWERE
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bill bob
8 months ago
Beware! This bank is a crook and they are shameless!
I made an ATM withdrawal at an Allpoint machine. The transaction was approved but no money came out from the slot. Called the customer service. That woman told me to wait for it to be posted and then do a dispute. I did a dispute the next day after the transaction was posted. It is almost 10 days now and they have yet to refund me my money. I really felt robbed by the ATM. I called the number on the ATM but no human being spoke to me. Instead it was a recorded message from the computer system telling me to call the bank instead. Their service is poor. I am going to close my account and send them a letter of demand for the amount of money that was owed to me. So beware. Do not trust this bank. They really sucked. They do not have their own ATMs and the ones that they recommend are not reliable. Can you imagine no money came out and they think that I lie to try to cheat them of a small mount of money? Obviously, the owner of the ATM could do an audit check to see if the amount of money dispensed is the actual amount of money transacted. Avoid this dirty bank. If you are an account holder, it was time to close your account before you suffer the same fate as me. Ally Bank sucked. They will not get any business from me any more. I will close my account soon and bank with somebody else. Worst customer service. Worst experience. They are a bunch of crooked dirty little riff raff.
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heater
8 months ago
DON"T TRUST THIS BANK!
DON"T TRUST THIS BANK! This bank is full of liars..period. I made an online transaction on what turned out to be a fake Lowe's website. After doing so and before the money posted I notified Ally Bank and told them that I thought I had been scammed. I based my belief on the fact when I went to get my online receipt it was printed in Chinese. I was told the transaction "had to post" before I could make a dispute. I waited until it posted on Monday and made a dispute. I explained what happened and submitted an affidavit. I periodically checked on the dispute because Ally wrote me and stated they were "working with Mastercard" to resolve the dispute. I was told that takes up to 90 days. I waited and called back, spending HOURS of my time explaining and re-explaining. Finally, I was told that Ally sent me a questionnaire and needed further info. I never received that. I was told they will mail it to me, confirmed my address etc. After 8 days I received Ally's "questionnaire." Their questionnaire was a letter stating they had investigated the case and it is closed. I called Ally a tenth time and was placed on hold while the operator summoned somebody in the fraud unit. 3 minutes later the operator returned and advised me that they would not come to the phone and I should call PayPal. I NEVER RECEIVED WHAT I PURCHASED and I TOLD ALLY BEFORE THE MONEY EVEN POSTED. My purchase had nothing to do with PayPAl, because I do not use PayPal. To no avail! I am out $98.00 U.S Dollars and somebody in China is having a grand time...ON MY MONEY! I have invested HOURS of MY TIME trying to resolve this. I was repeatedly lied to and now the cowards will not even come to the phone. It is time to move on from this NIGHTMARE! If you use Ally do not make online purchases, because YOU are going to eat it if there is a problem. DESPICABLE!
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will
8 months ago
Customer Service has gone from great to completely unacceptable
Had a fraudulent check written from my account to "GMAC Bank," which oddly enough is Ally Bank's old parent company from a few years ago. Sketchy, but whatever. I was told that Loss Prevention would investigate and resolve my case within 1-3 business days. Now it's a week later and I've spent 4-5 hours pointless hours on the phone with various parts of the company -- Loss Prevention told me to contact Customer Service who told me to contact the Tech Department who told me to contact Loss Prevention who said that I need to hear from the "Resolution Team," who gave me the number to Loss Prevention when I missed their phone call while having dinner. I called Loss Prevention and they said I can't contact the Resolution Team through that number. One representative in Customer Service did go above and beyond in contacting every department she could to resolve my issue of not being able to deposit any checks, but her efforts were in vain. In addition to unacceptably long wait times on the phone for a company who is entirely internet-based (you can expect a 30 minute wait minimum in most cases), Ally's internal bureaucracy, especially surrounding Loss Prevention, seems like something out of a satire of the late Soviet Union. I still don't have access to the money in my checking account and can't deposit my paycheck because the Loss Prevention department has dragged their feet and their anti-fraud procedures are unclear at best. I have credit card bills coming up within the next day or two and I had to open up a checking account through a different bank to at least attempt to get my latest paycheck deposited. Loss Prevention finally got in contact with me this morning, 8 days after the initial complaint, to tell me that I had to fill out some affidavit forms and get them notarized. They did not previously inform me this would be a necessary step, so I will have to take time out of my workday to go find a notary. The lack of clear communication from Ally has been extremely frustrating, and the fact that my money has been frozen for over a week after being quoted a turnaround time of 1-3 business days is beyond unacceptable. It's a sad thing to see as Ally's customer service used to be very strong. But after this experience, I'll be closing my accounts with Ally and moving my funds to a different bank as soon as I can get them free.
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alexa herrera
8 months ago
Leased a vehicle through Ally bank
Leased a vehicle through Ally bank. Worst experience especially when compared to Subaru and Mercedes-Benz, who manage their own lease financing. It's hard to get someone on the phone, they are always clueless and clearly work off a script / paste form letters, don't know how to actually do their job, and if anything out of the ordinary happens you're on your own. I moved 120 days before my lease was over and they mailed my lease packet to my old address and didn't inform me about it. Had to get in contact with them multiple times to get another copy of it sent out. When I got into an accident and my car was in the shop I tried asking what my options were. Got copy-paste responses about returning the vehicle and getting a pre-inspection or buying the vehicle. Even now that I've decided to purchase the vehicle (using a different lender, because I'm not dealing with these nincompoops for another 3-4 years), they've made the process entirely frustrating and I have to call them about every little step in the process or to get any useful information. And that's questionable.
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michael myers
9 months ago
This is just a bad bank
This is just a bad bank, period. All the "financial type" reviews rate them high because they look really good. Don't be taken in by these. They are horrible to deal with. I have done business with them for about 3 or 4 years. There were a few hiccups but overall I was okay with them. My only two complaints before were that 1) the website's design does not make any sense, and 2) their customer service people neither know enough nor are they empowered to actually help you. They answer the phone though, and that is something today - but it's just not enough. You need people who can help you. Recently I called to get some information (that should be on the website) and I get told that my accounts are being closed. This was news to me. There is no reason for it. I did not have a negative balance and if I ever did in one account (I had several) I moved money to that account within hours of it happening. This is how I set the accounts up. I asked what the problem was and I was told that I was using my account as a buisness account. Uh, no, I am not. I explained to the customer service rep what the difference was and then she said oh, I misread this. I don't know why (and they eventually told me they would not tell me the reason). I explained I was never given notice. I was told I was mailed a letter. No, I wasn't. They I'm told oh, no - we posted it in your email (meaning their online email/notice system). No you didn't. I am looking at it. There is nothing there. I eventually found their "letter" buried on a tab I had never even seen before, but no notice in the online email, no text, no email to may personal account, nothing, zilch. I get multiple deposits a month including a Social Security check. It is not possible to get it changed in time. I transferred money to another account with a different bank and they closed the account while the transfer was still processing. This is just a REALLY bad bank.
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emily honeycutt
9 months ago
never got account
never got account, got charged late fees, and had to call
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john roberts
9 months ago
Fraudulent charges deducted from my Ally account
Got this notice from Ally on May 6, 2022: “You’ve made 6 limited transactions from your Money Market Savings Account this statement cycle.” I immediately called Ally and told rep that all the withdrawals totaling over. $20,000 were fraudulent and that I did not authorize any withdrawals. Ally rep set up new account and said all the remaining balance was being transferred to it. The old account was still open on May 12 and I called Ally again and told them a $10 deposit was made that day. Rep told me Ally was handling under their Dispute Number XXXXX. Rep also said it could 10 days before a decision was made and that he could not determine if my personal info been stolen. Requested all the fraudulent charges be immediately credited back to my account and advice whether or not my personal info was stolen. UPDATE $5,700 has been credited to my account with no notification from Ally.
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adesola
9 months ago
One of the shadiest company ever.This…
One of the shadiest company ever.This Ally mtge/bank claimed i have a mortgage with them and had not at any time sent me a monthly statement and are not forthcoming on how they obtained this mortgage. I found out because i was in the middle of a refinance and till today,ally had refused to cooperate , nor answer any question about not bringing awareness, and not recieving any mtge statement from 2014. This bank has literally put a roadblock on my refinance. From 2014 ? Why was i not officially informed ? Why was i not getting a monthly statement ? Thanks to the title company and the refi team i would not have known about this loan. I mean what kind of people run this bank ? They are very shady and ruin lives.
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oliver
9 months ago
Ally bank has gone from OK to awful
Ally bank has gone from OK to awful. Takes very long time to get a rep. They try to help, but the system people have made a mess. Recent changes are their site cannot remember my user ID to log in even though I check the box to do it every time. I send them messages and get back nothing of use. Most recent, when I am typing a reply to their message, their site dumps me back to the login page, and I have to start over. The front line people try to help, but they are not the problem. It's the people who keep screwing with the site and how it works. The hold times have become ridiculous
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purple parrot
9 months ago
100% Flawless service: BEYOND AWESOME!!!
100% Flawless service. Very nice and helpful customer service. They are available 100% of the time 24/7 by phone, internet or phone app. No fees for checks, Money orders, and services. They are way more convenient than a regular bank. I read reviews many of which were 1 star. I kept reading negative after negative after negative. Eventually it donned on me, It appears there is a concerted effort to malign Ally by the competition. I am an actual customer with a personal account. I don't have very much money in the account and they treat me like royalty anyway. Since they treat me this way, I am absolutely sure they do this for everyone. What I like most: Phone Service available 24/7. Easy deposit by phone or by mail for those that can't or don't use technology. SO MANY free services other banks charge lots of money for, ie Bank checks, Money orders, etc. Very high interest paid on account. Nice customer service people. Never have to wait in line. Usually very low hold times on the phone and often no hold time
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daniel jones
9 months ago
Terrible bank avoid if you can
Terrible bank avoid if you can. My very first payment for my car there autopay took out two payments. They said they could send me a refund check in 10 days. I was stuck in lake tahoe on vacation with an overdraft account cause they took out 1240 from my account on a 600 payment. What a joke thanks for stranding me with no money on vacation and not helping fix the problem. Will refinance even if I have a higher APR. Oh yeah rude and terrible customer service
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tom
9 months ago
Opened new account
Opened new account. Within a week they froze my account on suspicious activity. I ask what activity was suspicious that they froze my account. They refuse to tell me. They had me send a copy of my id, Selfie with my id, social security card, and copy of utility bill. I wait three days…I call they say now they need a bank statement with my name and address on it. I don’t have a bank statement cause I just opened my account. Customer care is rude and are in no rush to allow you to access your OWN MONEY. Planned on switching to this bank, but once I can get access to my account I am closing it. Worse banking experience ever.
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chris alvaro
10 months ago
Ally sucks! I have had the same issue as everyone…
I have had the same issue as everyone else here with my account being frozen. On April 1st I depsoit a check for $10,000. Immediately my account was frozen for suspicious activity. I get the same run around as everyone else here that complained. I need those funds to pay medical bills. It's ridiculous! I have a wife and son who are disabled and now i have zero access to the funds i need. I'll be speaking to an attorney. Class action lawsuit I am thinking. BTW this rating should be negative 5 stars because Ally bank sucks and abuses their power over people.
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dylan varner
10 months ago
worst bank experience that I have ever heard of
14 Mar: I ACH transfer $50 to my new TDAmeritrade account from my Ally checking account. All good so far 27 Mar (Sun): I want to transfer $12,500 from my Ally checking account to my new TDAmeritrade quickly so I call Ally as well as TDAmeritrade regarding the best way to transfer the funds. The best way they recommend is a wire transfer requested online which takes 24 hours to post to my new bank. I request the wire transfer that night online as per what was gone over. 28 Mar: I call around 4pm to check on the status of my wire transfer. The person I speak to at Ally says my wire is under review and has no idea how long it will be under review. He recommends I call back the next day 29 Mar: I call Ally again. The lady I speak to says it is still under review and has no idea how long it will be under review. I ask her if cancelling the wire and doing the ACH might be better and she thinks it would be better. She cancels my wire transfer and I request the same transaction but an ACH transfer online as we went over. 30 Mar: My ACH transfer hasn't been started so I call Ally again. The person I speak to says it is under review but has no information on why or anything on why. Says to call back later. 31 Mar: My account is frozen by Ally 1 Apr: I call in the morning and request a Supervisor. I get a Supervisor, explain the situation and she gets someone from the back office named "Malik" on the phone to unlock my account as there is a suspicion of fraud on the account. During this whole time, I was not contacted by Ally to verify my identity or anything. Malik tells me that once the account is unlocked, my money will be back in my checking account as if the transfer never happened. As part of unlocking my account, I send 3 photos via an email link he sends to me, of my ID, both sides and a selfie of me holding my ID as well as a letter from TDAmeritrade proving that I own the account 5 Apr: I call to unlock my account as it has now been two business days since I sent my documents to Ally bank. I reach a Richard in the back office who unlocks my account. I verify with him there will be no problem if I send the funds as I was trying to earlier. When I log into my account shortly after the phone call, I noticed that my $12,500 is missing from my Ally account. I check my TDAmeritrade account to see if they accidentally sent the funds there but they didn't. I call back and the lady checks and tells me my money will be credited to my checking account by 1pm. Shortly after 1pm, I log in and I see my money has credited to my checking account. I request the same ACH transfer as earlier, $12,500 to my TDAmeritrade account. Shortly later I get an email from Ally saying my accounts have been frozen (again!). I call back to file a complaint and to unlock my account and the guy in the back office named "Timothy" says that they never received my documents from Malik. He sends another email to confirm my identity and I resend the requested items as before. He says they need another 1-3 business days to review my documents At this point I have contacted the regulators to address this situation and I will be contacting the police and a lawyer if this crap continues to see what options I have. My Capital One account has been great so far so I will be switching my accounts over to them.
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stephanie reinheimer
10 months ago
Froze my account FOR NO REASON
Froze my account FOR NO REASON. I’m standing here at the body shop waiting for pay for repairs, and this bank decided that I can’t spent over $500 of my own money. My repairs come to $800. This may surprise the people who run Ally Bank, but I actually need my car to go to work. I have called three times so far. Every time, I get put on hold for an eternity. I get hung up on. I get told that because I ATTEMPTED to pay for the entirety of the services on my car with my own money that they won’t let me spend, I can’t even divide the payment into $500 and $300 until MAYBE tomorrow. I get told that I can’t make a transfer to my old bank account to get put on my old card to pay for my car. I have confirmed my identity multiple times. Apparently I can’t pay for this for THREE MONTHS after opening an account. I also got told that my card was repeatedly declined because I entered the wrong PIN. The transaction at the body shop doesn’t ask for a PIN. What a terrible bank!!! They assume everyone they work with is a criminal. That’s why you can’t spend your own money, they assume that you must be doing something illegal or fraudulent, even if you prove that it’s you, there’s nothing bad happening. This bank thrives on restricting people’s access to their OWN MONEY. Now I’m stuck with no car and no way to access MY OWN MONEY. All because I tried to pay for something myself!!!!!!! Edit: I am now on call #5 for today!!!!!!! I’ve been here for TWO. HOURS!!!!!!!!! I keep getting told different stories as to why I can’t spend or access my own money. First it was the daily limit I was never told about. Then it was because the PIN I never entered was wrong. I’ve spent more time on hold than I ever have in my life. I’ve been hung up on, ignored, and now it’s the afternoon and I still have things to do at my home, WHICH I CANNOT REACH SINCE ALLY WON’T LET ME GET MY CAR OUT OF THIS SHOP. Now I’m being told that my ATM withdrawals count as POINT OF SALE PURCHASES!!!!!!!!!!!!! NOW the explanation is that my partner, who is also on the account, can use HIS card.
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james keenan
10 months ago
Ally Bank not honoring wire transfers!
When you specify on an Ally Bank's transfer form to wire funds to another bank Institute they will generally ignore your wire transfer request and mail a check to keep the money in their bank longer. The funds are debited from your account immediately and do not accrued any interest until they are deposited in the next bank Institute. The time frame involved is usually one to two weeks to arrive and be process at the next bank Institute versus a wire transfer of 1 to 2 days. In my case it was a substantial amount of money being transferred that had no interest for almost 2 weeks versus 2 days if it had been a wire transfer!
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sam
10 months ago
One of the worst decisions of my life…
One of the worst decisions of my life accepting an Auto loan from ally bank. I have been a customer with ally for 2 years. I was in a horrible loan with Ally and was getting ready to refinance my vehicle. I had my vehicle set on auto payments with Ally for 2 years. HUGE MISTAKE. One day I received notification that I had an alert on my credit report. I check my report and it was 2 late payments from Ally. My score dropped over 120 points due to the late payments. I logged into my Ally account to view the account status, and my payments had been canceled. They weren’t charge back, or returned, just canceled. I couldn’t understand how my payments were canceled bc I didn’t cancel them. I immediately made the 2 payments and caught up on the payments, as I had the money available, Ally just canceled my auto payments. They did didn’t call me, email me, or anything. They just reported my account as 60 days behind. I had never had a late payment with Ally, or any other account on my report. Don’t trust Ally financial. They hurt my credit, and I’m currently having to repair my credit because of the inaccurate reporting by Ally.
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ray
a year ago
Awful systems at this bank
Awful systems at this bank. It has been a royal hassle renewing a CD with new money added during the grace period. Their system won't accept instructions for the new money, and I have spent at least two hours on the phone and chat trying to resolve the problem. Also, they do not issue month-end statements for CDs. You must specifically request a balace letter if you need any sort of official accounting at a month end. I would move to another bank, but Ally accommodates trust ownership, and their rates are good.
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robin
a year ago
STAY FAR AWAY
If I could give it less than zero I would. STAY FAR AWAY. They lie, customer service wouldn't own up to a mistake they made. I tried to correct something tied to one of my accounts, they said they never received the information from me - total lie. It was both recorded and in writing. They denied both. It was my first foray into online banking and was a bad experience
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carmen jones
a year ago
Awful was literally just hung up on by…
Awful was literally just hung up on by a manager
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margaret
a year ago
Horrible Bank and Stay Away!!
Run away as fast as you can!! I don't know who the worst financial cesspool is Ally Bank or Citibank. It seems as though they could be sister banks. They have been stealing money by charging me late fees on my auto account when my account was never late. The late fees went from $32 to $71. Each time I get a statement, my account is already late, really. When I brought it to their attention, they then moved the late $71 dollars over to my payoff amount. They always have a scheme one way or the other to rip customers off. I guess they are trying to make some of their money back from being sued so much. Their current action is only leading them to more hot water. Customer service is horrible; they pretend they do not know what you are asking and then with some foreigner on the phone. You can't understand their accent. They are liars too. They are just a mess and haven't learned a previous lesson in the banking business.
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jessica heard
a year ago
Stop messing with my money
Started putting 5 day holds on my paychecks for absolutely no reason. Stated that "they had confidential information that there may not be enough funds to complete the transaction" when there has never been an overdraft and there is plenty of money in the account. Refused to help in any way. I am closing all of my accounts immediately. Have had multiple "glitches" and "errors" from them and do not trust them.
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nate spence
a year ago
STAY AWAY
STAY AWAY! DO NOT USE ALLY BANK! Someone got into my account and took money out of my Debit Card. They closed my account because of fraudulent transactions I did not complete. They refunded the money and then took it to charge off the charges they had already taken out of my account. UNREAL. Now months later I am told they did not close all of my accounts and someone did more fraudulent transactions on that account for $600. WOW!
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martha buffington
a year ago
A wire transfer of $10,000 was made to…
A wire transfer of $10,000 was made to my account the end of August 2021. They keep telling me they investigating, what I do not know. That has been ongoing for 6 months. I am beginning to think they just want to keep my money. I am fed up with their excuses am thinking about starting legal action. Which will cost them a lot more than $10,000.
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mae
a year ago
Best hassle-free online banking.
Best hassle-free online banking. The No Penalty CD is an excellent option. Efficient and friendly customer service when you need it, which is rarely. The app is very convenient. It's streamlined and easy to navigate. Thank you, Ally.
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amanda rich
a year ago
Over charge and plus charge very high…
Over charge and plus charge very high interest rates
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michael
a year ago
Great app, customer service, and banking services
I have been an Ally banking customer for nearly ten years. I've found them extremely helpful and their website and app are a refreshing change from others I've used. I've always reached customer service rep within seconds to a couple of minutes when ever I called. They have been friendly, helpful, and professional. I am puzzled by the negative reviews I read here however they seem highly specific to individual problems. That said I have no experience of Ally Auto etc, just the banking aspect.
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nancy
a year ago
I have a fairly new checking account
I have a fairly new checking account. One of my payments to a credit card was not received. It was mailed. I used Ally Chat and they credited my account right away. The chat people were very helpful and polite.
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dylan
a year ago
I wish i could give a zero review
I wish i could give a zero review. Worst banking experience of my life. I created a new bank account and the same day I transferred $10K. Then I was locked out of my account immediately without any notice or reasoning. I call and I'm told that my account is under review for suspicious login activity. 4 days later and I still get no information so I call again, only to be told that I was previously told (not true) that my account was going to be closed after an investigation was completed. So naturally I wanted to know why my account was being investigated (the one opened for less than a day) and when it would be completed as I want my $10,000 returned ASAP. The agent says she doesn't have to tell me that because it's not required. Ok...just because it's not required doesn't mean you can't tell me what the hell is going on, and I assume I would be contacted as part of the investigation that's involving MY two bank accounts and MY money. And why is there an investigation and delay in returning the funds if you already know you're going to return to the funds and close my account? The agent wouldn't let me speak and said she wasn't customer service, although she didnt realize that when she's speaking to a customer on behalf of her employer, that's customer service. Have some skill and tact. Regardless, the whole experience was unreasonable and unnecessary. Now I have no idea what's happening and I've transferred all of my liquid funds to this stupid bank without any estimated date of return. At least keep people informed and treat them how you would want to be treated. I was understandably frustrated but this lady had no intention on trying to help me. It felt like she was glad to not help and to hang up on me.
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jennifer bennett
a year ago
Ally still owes me $600…
Ally still owes me $600 from a GAP insurance overpayment. They confirmed receiving it on Oct 1 and can't manage to send it back. They closed out my CFPB complaint stating they didn't owe the $600. Yet, when I send them a payment, you can guarantee they take it out within 24 hrs. I'm on my 3rd complaint trying to get my money back. If you choose to do any business with them, please know you are at risk.
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kimber lumpks
a year ago
Traded truck after paying monthly…
Traded truck after paying monthly payment. Ally now says even though payoff in full was a month ago it will TAKE 55 DAYS! Unbelievable!