Ally Bank Checking Accounts

This bank used to be great, but the customer service has become horrible. They do not care about their account holders. They have constant Zelle issues (and it is with them because Zelle works perfectly with my other bank), and when their employees make mistakes with transaction limits, they are unwilling to help. I seriously regret having this bank.

Longtime Ally Customer Misled – Lost $2,450.15

I've banked with Ally for over 10 years and recently experienced a serious failure in their process. I deposited a check for $2,450.15 from a source I believed was legitimate. Ally informed me it would take two business days to clear and that I would know it had cleared when it showed in my available balance.

Two days later, the funds were available, so I made withdrawals. The next day, Ally reversed the deposit, labeling the check as fraudulent, and removed the full amount from my account.

Despite repeated attempts to resolve this—including escalating to corporate—Ally insists they are not responsible and refuses to refund the money. Their own system indicated the funds were cleared, which misled me into acting in good faith. Without that confirmation, I would not have lost this money.

This experience has shown me that Ally's “available balance” can't be trusted, and customer protection is lacking.

Ally Bank restricted my debit card and then "closed" my account without notifying or telling me, so I discovered this when I attempted to use my card to pay my mortgage. Trying to make a transfer to another account, their system indicated that my account was restricted. Upon calling, they asserted that my account was closed due to compromise. I informed them that my card was secure and in my possession. Nevertheless, they maintained that my account was closed and the only solution to access my funds for bill payment was to formally close the account and await a check by mail within 7 to 10 days, inevitably incurring late charges for all my bills. Moreover, even though they claimed my account was closed, I was required to submit a closure request for an account that was supposedly already closed! Now, I am faced with a 2-week wait for a mailed check to settle my bills, which will delay my mortgage payment. This is the worst banking experience in America—do not bank here!

I have been a loyal Ally Bank customer for 14 years, and I am extremely disappointed with their recent service.

In May 2025, Ally Bank emailed me stating that I would automatically receive a new debit card before my current card expired in July. When I did not receive it as promised, I proactively contacted Ally in June to prompt them to send the new card.

Instead of simply issuing the replacement as they had committed, Ally Bank immediately closed my existing debit card without any warning or my consent. This left me without access to my funds over a holiday weekend while I was traveling, causing significant financial hardship, stress, and major disruption to my plans.

At no point did I request that my current card be deactivated before receiving the new one. I rely on this card for essential daily expenses.

To make matters worse, Ally Bank’s customer service was horrible and negligent throughout this process. Their response was completely inadequate and failed to resolve the immediate problem or take responsibility for the mistake.

This incident demonstrates a serious decline in Ally Bank’s service and raises major concerns about their account management practices. I am also filing complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB), and sharing my experience publicly to warn other consumers

Do not bank with Ally. I had $8,000 in my checking and $12,000 in my savings. Plus, my special needs son had $3,000 in savings with me added to the account. I have never experienced any fraud with any other bank account, and I have small amounts in other banks. I can always use a debit card from one of the other banks and never encounter problems, except with Ally. I had to dispute two charges that I didn't recognize. They closed my account with no notice on the day of my direct deposit, with three checks not cleared that they did not bother to verify. So now, I have three vendors to whom I wrote checks that will be rejected and make me look irresponsible. Plus, they left me without money because I have to wait seven to ten days for them to issue checks to return my money from my account. This is not ethical or professional. It's automated and not run by people. Plus, they outsource their customer service, so they couldn't even tell me what happened. I have an investment account with them that I'm withdrawing from. I want nothing to do with Ally after what they did to my family.

Ally Bank used to answer the phone in a timely manner, not anymore. They used to have decent customer service, not anymore. Now their mobile app for depositing checks is not working, and I have tried for 2 weeks to deposit a $3,000 check, and their app states it was already deposited. Not so. They said to have it reissued. The reissued one also failed to go through. I uninstalled their app as directed 2 times. That did not work. I received no response to my emails concerning the issue except for a canned response on how to deposit checks using the mobile app that I have been using for years successfully. I am moving my money elsewhere. I can no longer trust Ally with my money.

I have savings, checking, and investment accounts with Ally. I used to absolutely love this bank. In the last about 2 years, the quality of their service has severely diminished. As of today, I cannot access any of my accounts because Ally has hit a "snag". I am trying to transfer some money to a different account because I am working on closing a mortgage. Yet, I am not able to do this, thanks to Ally. With Ally being solely an online bank, it is not acceptable that their website/app is down on the weekly lately. I opened a new bank account today with Chase, just to start transferring my assets away from Ally due to not being able to access them when needed.

Ally Bank used to have good customer service. You got an agent right away. Now, you have to go through three minutes of menus to talk with someone who is not U.S.-based. Also, their website does not work particularly well anymore. Clearly, they are trying to save money, but they are going to lose this customer.

I loved Ally for years. I used to recommend them to everyone but they obviously cut their standards. They suck now in so many ways! I get hung up on all the time. Their customer service is absolutely trash and always nearly impossible to understand. Their card controls used to be amazing and they took literally all the good features away and integrated it into the main app in a SUPER crappy away.

I'm seriously considering moving banks now and I do everything through Ally.

Screw you you corporate jerks. Holy crap you suck for destroying the best bank I've ever used.

They are allowed to hold your money for six months without you having access unless you open a new external bank account and they approve it. This applies even to mistakes made on their end with your funds.