Ally Bank Checking Accounts

Worst bank ever. If you're lucky - you will never have an issue. But. If you do have an issue -customer service is literally the worst I've encountered in 60 years of banking. Aside from perpetual 30+ minute wait time - day or night - the responders are so overworked that they are rude, indifferent and not even a little bit helpful. There are lots of banks out there - pick another one and avoid the aggravation.

Held check I needed for rent for 10 days without making me aware. When I made a mobile deposit through the app the wait time was 1-2 business days. I had to call and wait on hold for over 45 minutes to find out that when you open an account with them the checks you deposit are held for verification for the 1st 60 days! This is such a huge convenience considering I was using that money to pay rent and buy food!!! That definitely should be stated before allowing a deposit! Now my check is just sitting in limbo with funds I need now!

HORRIBLE CUSTOMER SERVICE!!!!,
You can NEVER get anyone on the phone...EVER! I just called because my card is constantly being declined (not the 1st, 2nd or 3rd time) even when there is money in the account. I waited 20 minutes, then the recording said it will be another 40 minutes, and do I want someone to call me back? If I wanted to talk an hour from now, that's when I would have called..duh! They can never tell me WHY this keeps happening, and don't seem to care how inconvenient it is. The last time I was told "Oh these things just happen sometimes." Really? Do they know or care how embarrassing it is to have your card declined in the store? Especially when you have money in your account!! I can't wait until a few things clear, and I can CLOSE THIS DANG ACCOUNT! I don't care what the interest rates are, it is not worth the frustration. DON'T USE this bank unless you'rea gluten for punishment!

Worst bank ever. Instant Cashapp tales over a day to go through. Checks take days to process. App never works. Go through Chime or Current. Both offer early pay day and overdraft protection as well, and don't have these issues. I used this bank for years and had to switch because I just can't deal with all the issues anymore.

For starters as a new member you’re getting screwed. the amount you can withdrawal from an atm is fairly low before they decline you from doing it. They have an extremely confusing transaction system where you will be notified twice once at the time of the transaction and then another random point throughout the next couple of days leaving you confused if you were just charged or they just drafted the the charge. Getting into contact with them is almost impossible you have to call or use the live chat option which are both awful the live chat option you’re not gonna get a response for at least 12 hours. If you try to call them you have to go through a 5 min menu selection and carefully select what department you want which by the way the “speak to a representative” option is only given to you after they read through EVERY option and then offer you to visit the website or offer an auto loan then they will ask you if you wanna speak to a representative which good luck because it’s no less than a 46-50 minute wait every time you call them. My last complaint is the fact that they hold EVERYTHING if you use cash app, Venmo, PayPal, etc and you use the “instant transfer option” that typically costs a couple bucks in return to have your money deposited instantly of course you’re looking at a 8-24 hour holding period on those funds despite paying to have it deposited immediately. If you have direct deposit set up through your job you can expect them to hold those funds too on pay day. this bank is awful.

Pitiful. Never banking here again. This is a once in a lifetime bank, as in once in a lifetime mistake. Rep is condescending and annoying.

Submitted by Rebecca Jean Beck of Wilmington, DE.

Ally bank does not stand by their fraud guarantee. I was recently the victim of fraud where someone used by debit card and pin to pay for items in France. I have never been to France and never use by debit card for purchases. I have no idea how someone could use my card and pin when I was in physical possession of my card in the United States. Nevertheless, Ally bank took the position that because the criminal used my pin, Ally was not liable for the transaction. Ally bank is a complete scam and I urge anyone to take their money out before you have the same experience. Their fraud department won't even allow me to talk to them. They will not show me any evidence, video or proof of the transaction. I am so disappointed in this bank. Fortunately, my loss was only $96.25. But this experience was enough for me consider changing bank. Ally bank should be ashamed...If someone from Ally Banks’s fraud department would like to chat, I welcome the conversation. Respond to this review and I will more than happily send you my contact information. I am sure you know who I am since I provided the exact dollar amount of the fraudulent transaction along with the country where the fraud took place. If you do not want to be the victim of fraud, bank with anyone other than Ally Bank. I am going to make it my mission to provide negative feedback anyway possible to hopefully prevent this from happening to anyone else.

I had an Amazon purchase declined, so I went on to my Ally checking account to see what happened. There was a big CLOSED notice on my checking and savings account. I saw that balance of my account was withdrawn. No information on online account.
I called Ally and waited the traditional 40 minutes to speak to customer service. I was put on hold several times. Finally I was told by rep that only info on my account was that a check for balance and letter of explanation was being mailed.
I did get the check and "explanation". Explanation was see section 35 of their terms. Section 35 merely says that Ally can close your account at any time for any reason. Apparently they don't have to give the reason.
This has majorly put me in a bad situation. I have social security direct deposit. Also, several auto debits. Social security takes forever to change direct deposits.
I think a bank should have to give warning they are closing account due to financial devastation of the customer. Also, a reason for closing account would be nice and should be mandatory. I had my account for 10 years. I deserve better than this.
I plan on reporting this to every financial part of govt. and whatever consumer sites I can find. I think some new banking rules need to be instituted.

horrible! i hate this bank. im only with them because my husband and i have a joint account and have all of our bills linked to it. eventually i will get around to swtching but the app has so many bugs and it can take hours to get a hold of customer service at times. the app constantly has bugs which leads to incorrect logins. Then it locks me out of my account because of too many attempts to log in. Then it takes me hours to reach anyone. The whole process to do anything is just inefficient and horrible.

WHAT... A... NIGHTMARE!! Horrendously understaffed! I'm a new member and each time I've had to contact customer service I've had to wait on hold 20-30 minutes!! Every time!! Doesn't matter time of day or day of the week. They froze my account, I was not able to use my card at all and had to wait on hold 30 minutes just to get on the phone with a representative who said they wouldn't be able to help me and that they would transfer me to a department that could. She transfers me and guess what it's to the automated debit card activation line! So what do I have to do? I have to call back in and wait another 30 minutes to talk to another representative only to be told that she has to open a case with loss prevention who will try and get things sorted out within 24 to 48 hours in the meantime my account is frozen I have zero access to my own money this is absolutely unacceptable! DO NOT open an account with Ally Bank!!