1 Austin March 5, 2010 at 3:10 am

Reimbursed ATM fees are the biggest seller. I’m optimistic that in 10-15 years every bank will do this.

Austin @ Foreigner’s Finances

2 Myles April 4, 2010 at 12:17 pm

I am very tempted by this, it’s a world away from Bank of America’s zillions of fees. Definitely a forward thinking bank. In England all ATM transactions are free regardless of which bank you withdraw funds from. I hope this attitude comes to the US.

3 Ann April 13, 2010 at 5:35 pm

You can see your account number. You need to click on the account, and then there’s a place where you click where it says by the XXX1234 account number that says “unhide.” Click and it’ll show you the number.

4 Scott December 28, 2010 at 11:55 am

Also the Non Suffcient Funds fee, $9 a day, instead of $35 per occurence at BofA. And if you set up overdraft with one of your Ally savings accounts they dont charge you an overdraft fee at all. To me that is the best part, before I began budgeting at all we would rack up a ton of the NSF’s (our own fault) but still $35 per occurence because you went to starbucks and your wife got gas and groceries and forgot to tell you, total BS. so far I really like Ally. and ING’s checking account is for people with better credit score than I have right now, lol. I was rejected by them last year when I tried to get the “Electric Orange”

5 WC July 15, 2012 at 2:50 am

Correction: You can view your account number online. That is one of the many things I like about them. After you log in, click on View Accounts. Click on the account you want to see. This will bring up the page with all the account info and recent transaction history. Beside account number there is a unhide/hide button. Click it, and you can see your account number.

Also just FYI, Ally transfers $100 at a time for overdraft protection. This is actually a good thing because online savings accounts are limited to 6 withdrawals per cycle. This way you won’t use up your 6 transactions with a bunch of small purchases. If you have a specific account just for overdraft protection, you only need to keep $600 in there. After that, they either decline the purchase or charge you the overdraft fee (I assume it is debit card transactions for the former and checks/ACH transfers for the latter).

6 MBinWV August 11, 2012 at 12:50 am

I’ve been an Ally customer for approximately 4 months.

During that period, my place of employment has attempted to direct deposit my paychecks into Ally, but the deposits were rejected. I then tried to e-check deposit my paychecks….which Ally held for 12 days EACH time before depositing. In the mean time, I had checked and double checked and triple checked that the account information that was being used was correct. Each time I called Ally I was subjected to yammerings about account numbers that I’ve confirmed and hold times I find excessive, given the fact that it’s a salary check for the same amount every two weeks. But, I figured it would all be fine when the direct deposit issue was fixed.

After five attempts, my accounting department said “Good news, your deposit has been accepted!” and I was so happy. But on deposit day, my money wasn’t in my account. My pay stub said “This is not a check” and Ally said “We don’t know where your money is…but it may take us 24 to 48 (business) hours to research it” On a Friday that means I won’t hear from Ally until Tuesday, and if they DO find it, I’m sure they’ll come up with a reason to hold it for another 12 days.

The worst part…while speaking with a customer service supervisor (almost as useless as a customer service representative, but with a more authoritative sounding title) she indicated that there was no way to further expedite my resolution, as it was a newly opened issue. WTF? I’ve been calling over and over for months about the same issue. Maybe it’s a bit different than the last eight calls, but it still boils down to the same. little. nugget. My direct deposit isn’t being deposited and Ally won’t give me my money.

The fee-less accounts, the interest, the convenience, the friendly customer service, the e-check deposit…it all sounds fantastic, but BEWARE. You’ll continuously call with the same issues. You’ll wait weeks for access to your own money and there is no direct line to the resolution center…leaving you at the mercy of friendly, but relatively helpless customer service reps (and supervisors).

I’ll be posting this review on every available site for each waking hour that my funds remain missing in some Ally limbo. At the earliest availability I’ll be removing my money and marching it straight toward the teller of a better bank…if there is such a thing.

Wish me luck.

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