Name: Ally: Bank, Auto & Invest
Rating: 4.66728 (73695 reviews)

User Reviews for Ally: Bank, Auto & Invest

4.67 out of 5

73.7K Ratings

4 years ago, Nautikers

Easy to use and easy to bank with!

I love their live chat option! It’s probably my favorite thing about banking with Ally. They are good about answering calls, too, but if you’re trying to multitask I find the chat more convenient so that in public places other ppl aren’t over hearing your conversation. It’s really easy to deposit checks and I find their app to be pretty reliable. I can’t even recall the app crashing on me more than once, and I’ve had it for many years! Unlike other bank apps I’ve used that have bn a complete nightmare. I really wish they offered business banking bc I have not bn able to find a bank that is as convenient to bank with and has a banking app as good as Ally’s. Another cool feature is you can see your total balance for all accounts on the home page, and your individual balances are listed next to each account. I know this is something my husband really wished his previous bank app had. Also, you can transfer money from one account to another via the app and the amount is available straight away! Overall, I highly recommend this bank and it’s app.

7 months ago, MStyleFTW

2024: great app but STILL not VPN friendly

AND ANOTHER THING: What's with the "Your Ally session timed out due to inactivity" push notification? Do you really think my session timeout is so important that I need to get a push notification every time I use your app? Have you, or anyone you know, ever received that notification and said, "Oh, my Ally app session is timed out, I better do something about that"? No? Yeah, I didn't think so. And this notification can only be disabled if you completely disable all Ally notifications which is nuts. I bet this was some manager or consultant's "contribution" to the Ally app project to justify their insane salary. Please remove this useless notification or at the very least give your users the option to turn it off separately in app settings. 2024 UPDATE: So, it’s 2024 and the Ally Bank iOS app (and website) still aren’t VPN friendly. Literally every other banking app and website that I use work fine with VPNs. But Ally Bank chooses to be stuck in the past and jeopardize the security of their customers because they don’t want to spend a little money to make their app and website VPN compatible. Do better. ORIGINAL REVIEW: Great bank and app. One problem: when my VPN is on, the app gets stuck on the loading screen. I have many other bank / brokerage iOS apps and every single one of them works flawlessly with the VPN enabled. Please update your iOS app to work with VPNs.

3 years ago, Logan J.

Great service, but the app is bad.

I’ve used a couple of other online banking and investing apps, as well as other financial apps such as those for credit cards or loan accounts. When compared to those apps,I have found ally’s has been underwhelming, confusing, and frustrating at times. For rhe most part, I had found the user interfaces for the other apps very intuitive, easy to navigate, and have small and seemingly insignificant features that are taken for granted until you use an app that doesn’t have them. Such features include buying fractional shares of securities, without which investing in companies such as Berkshire Hathaway (stock currently valued around $450,000/share) becomes impossible to the common investor. Another capability missing from the app is the ability to manage external accounts used to fund your ally accounts - instead, there is a message that says to visit their website to manage your accounts, and while they provide the URL of the website, they could easily provide a link within that message that would take you directly to the site instead of having users exit the app, navigate to their web browser, and then manually enter the URL. Despite how I feel about the app itself, I enjoy ally’s services. This is the only reason that I am leaving this review, in hopes that it will be viewed by the powers that be within the ally organization and that they will take action to overhaul the app.

2 years ago, Verticaltakeoff

Used to be great, lately not so much

This app and bank used to be great. At some point in 2022 the app and bank started having issues. The most egregious problem I have had is, after signing in the app say “you have no accounts at Ally bank “. Depending on the situation this can be terrifying. Luckily closing the app and trying again later has brought back my accounts. No exactly confidence inspiring. Often Face ID fails to work. Sometimes it fails to invoke a Face ID check forcing me to hit the Face ID button. Sometimes it performs the Face ID verification but never unlocks the app. Fortunately this can also usually be fixed by closing the app, waiting a while and trying again. When. I can actually get it to authenticate the apps responsiveness is painfully slow. The account screen can take a long time to populate data. I have seen this behavior on my iPhone 13 pro when on excellent WiFi or cellular networks. This also happens on my iPad Pro and my wife’s iPhone. On all these devices we access other services and financial institutions without issue. I suspect that Ally made a change to their back office servers that is causing these problems but that is just speculation. I have lost trust in Ally after being a customer for many years. I opened up another account at a local account because I wasn’t comfortable having the bulk of my assets at Ally any more. This used to be a great bank. I hope they fix their issues.

2 years ago, apm1026

Could be better

I’ve had Ally about 10 years now. Was first attracted by their no penalty CDs when I was saving for my first home. Obviously in that amount of time alot has changed in my own life and therefore current needs, tech and stock trading. The good: they’re polite, easy to get a hold of on the phone. The bad: their stock trading interface is circa 2010. This is how others used to look and function so originally I didn’t think anything of it but other options have come so much further now I don’t know why y’all don’t get with the program to keep a younger customer base engaged. I like the analyst reports and options charts but actually entering a trade is cumbersome and they won’t let you trade on margin. Plus it only shows your average holdings of a ticker- no clue how to see how much of that is ST or LT to make informed decisions when selling. There are much better stock trading options out there. Only reason I still have the stock account I do is because my main brokerage no longer accepts stock transfers and I don’t want to cash out of these. I moved 90% of my money out years ago when it was in cash. Summary- as a bank they are competitive with CD rates. I’ve never used them for normal savings or checking so can’t comment. Good customer service. To stay competitive, their trading side needs a major facelift, but does have better research tools than others.

5 months ago, Sark Es

Bug city

I have had multiple issues with this app over the past few weeks. I had card controls on my debit card from a few years back and forgot it was locked and tried to withdraw money - this got blocked as expected but wasn’t an issue since I remembered I could unlock it through the app. And even got a notification about it saying I need to unlock it. However, when I went to the app I realize the option for card controls has disappeared entirely so I call in - maybe I missed it. After standard troubleshooting to make sure I wasn’t the issue they Eventually they had me read every menu option and confirmed it wasn’t on me. I asked them to send me a new card with a new number because the whole thing made me feel like their security was a joke seeing as the controls weren’t validated before release either… so 2 weeks go by and I get my card and call the number to activate it. After verifying my and the cards info via the phone prompts it has an issue and again I’m back on with support telling me something is wrong on their end and they wanted to set up a temporary pin but if the phone has failed already why would I trust the same prompt to update the pin. Software has bugs and I accept that. However, banking software is supposed to be better and run through more tests to make sure this type of scenario can’t occur. I am so annoyed at this point I’m likely giving up on ally in lieu of another bank.

2 years ago, John Malkovich the Fifth

Terrible app

Had a terrible experience using this app. Don’t bother using the transfer feature because you’ll lose money and have an even harder time trying to get it back. There was a glitch using this feature and nothing was updated on my end until I reset the app, only to find out that the transfers were received but weren’t successful. That means that the money was taken out of my checkings but not deposited into the other account. This is my third day trying to contact customer support and figure out the solution to this problem and all I got was “There was a glitch you’ll just have to wait.” Even their customer authentication system wasn’t working when sending me an SMS. After checking the reviews on here I found out that this problem has occurred for multiple other users… ranging from months to YEARS AGO! Ally seriously needs to invest in rebuilding this app and fix all of these problems because something as simple as transferring money from one Ally account to another Ally account shouldn’t be this troublesome. If there was a “request” to transfer, the money shouldn’t be taken out unless there was a solid connection between the user confirming this transfer to occur and the accounts are prepared to make the proper updates on both ends. If you’re reading this as a customer, don’t bother downloading the app and do everything online. Better yet, find a better bank.

2 years ago, NokesStevie

Used To Love Them!

I’m not sure what’s happened to Ally in the last year, but everything about my experience has been horrible. When I first moved my business to Ally three years ago (I was a longtime BofA customer) I was so impressed - their customer service was top-notch. To say that it has declined is laughable - it has absolutely plummeted. I cannot get a customer service representative on the phone to save my life - I always spend three hours plus waiting to get to an actual person (YES, truly more than three hours), and twice upon reaching a person, I was promptly hung up on. No one that I end up actually reaching seems to be a competent, trained employee of Ally - they all claim to be working for an outsourced company and they literally cannot provide help with the smallest of things. More than six months ago, I had some fraudulent activity on my debit card. I filed a claim for more than a thousand dollars stolen from my account. Now, currently, six months later, I have heard NOTHING from Ally regarding my claim. Every person I speak with tells me it’s “still in process” and to “be patient.” To have more than a THOUSAND dollars missing from your bank account for the better part of a year - that’s unacceptable. Ally is an absolute disaster. Such a shame, because I was so impressed with them once upon a time. I would urge you to reconsider placing any money in their hands!

5 months ago, TeenyPort

Getting buggier and buggier

For the first two or three years I used this app I had almost no issues, but over the last six months the app has been giving me a ton of problems. It is slower but more importantly the functionality is frequently broken. For several months, the account balance would not update after I made transfers unless the money was unbucketed. However, if I went to make another transfer the correct balance would be shown under the “to” and “from” pick lists so I knew the transfers were going through right away. I submitted feedback about this and talked to support who told me it might be my older iPhone because there was no similar issues reported with other users 🙄 low and behold a month later when I updated the app the problem was finally solved. Recently, my transaction history has disappeared and I’m seeing a message that says there’s no history under the account within the last 120 days. Idk what’s going on, this wasn’t even from an update so it seems like some of their database infrastructure is breaking on the backend or something. I love some of the features and convenience of this bank but it’s quickly becoming less convenient because of the defects.

3 years ago, hekenfjemsnwkw

Good luck getting your money.

For a bank that does not accept cash deposits, you would thinking getting their customers their money from their check would be a high priority, but it’s not. I am currently a college student living paycheck to paycheck, so by the time payday rolls around, i NEED my money. I switched jobs recently and found out I am going to get my first paycheck a month and a half from now. I am solely relying on the paycheck I deposited from my last job. I do a mobile deposit because I have no other choice. The information available states that you will get your money the next business day if you deposit before 7 pm. I deposited before 7pm. It has been 4 days so far, and my funds are not available to me. I chatted with an agent who said it will be available on the 10th, 7 days after I deposited my check. They said it was because my account is overdrawn $10, so they are withholding my funds. The overdrawn funds came out on the 2nd, I deposited on the third. This defies logic. Yes I am overdrawn, THATS WHY IM DEPOSITING MONEY. Also, I don’t appreciate feeling like a child being punished. If you want to charge me because you allowed something to come out and I didn’t have the money, fine. Don’t leave me in the negative and without money for an extra week because you created an idiotic, illogical policy. I’m finding a new bank.

3 years ago, TheRealCraigB

Horrendous Customer Service

I made a decision to try Ally for both a high yield savings and rollover IRA from another online broker I’ve not been pleased with. I initiated the rollover 2 months ago and it was supposed to be a simple ACAT (automatic) transfer. These are supposed to only take a couple weeks. Not hearing from Ally and sensing a potential issue with the transfer after a month, I called to see what was happening. I called multiple times and sat on hold for over an hours time - each time - before I finally reached someone. He put me on hold several times as he went to “check with the ACAT Team” and others, each time coming back and assuring me there were no issues, that sometimes they take up to 4 weeks, and that I should soon see the transfer complete. It’s now been 2 months and nothing, nor any word from Ally. I’ve tried calling back again only to have to sit on hold each time for more than 2 hours until I’ve now given up. As a busy man running a business, I do not have time to sit on the phone for hours and have even had my admin sit on hold for me. At this point I just want the transaction cancelled and move my money elsewhere. Be forewarned, Ally has some attractive components on the surface, but if you need servicing help you’re in for a very, very frustrating and disappointing experience.

6 months ago, SydniCiara

Hate the update

New Update (March 2024): I hate the new UI. For this to be an online only bank, your app should be the best in the business. The app is not that and far less. At minimum, ADD DARK MODE to this blinding UI that you gave us. Did you even consider looking at your competitors? I don’t stay with Ally because I like them. I stay because I don’t feel like finding a new bank but it is on my todo list. All because I hate the app and it’s the only way to bank with them. Update (2/20): They fixed the login issues. Adding 1 star. I still hate the insights and their investment platform and won’t be using it. 1. You have to login EVERY time you move to the app. It makes it very difficult to switch between my calculator app and this app. I hate that if I leave the app for 5 seconds I have to go through the login/faceID process again and lose where I was at in my account. Online only banking should be easy smh. 2. I also added an investment account with Ally and it takes the app FOREVER to open now. Gonna take my investments elsewhere so I don’t have to do it in the Ally app. 3. I also hate that I can’t get rid of the tips/insights at the top of the account overview page. I know I deposited a check a week ago, why is it still there like new information?!

3 years ago, SCarp25

Getting worse.

Be careful! A bug with this app drained my non-Ally checking account when I attempted to transfer to Ally and initially received an error message the transfer failed, so I tried again. The second attempt worked, AS DID THE FIRST I was told didn't work, so 2x what I wanted came out. Upon realizing the error, I transferred some rescue funds back to my non-Ally account , and received the same (false!) error message with the money going the other way. This rescue transfer worked the first time even though I AGAIN received the same error message telling me it didn't. Also, on the Snapshot page, there's no 'Account Activity Summary' under Total Balance as shown on the App Store ads. In the actual app, it's replaced by an annoying, delayed ad for an Ally Invest managed portfolio that loads slightly later than everything else, so multiple times now when I go to click on my Account Details I'm actually taken to the Invest page instead. I don't use Ally Invest, nor do I plan to, so being rerouted when I'm about my business is a pain. The screenshots they use to advertise the app are misleading - the APY hasn't been 1.70% for a long time. We've been stuck at 0.50% for awhile even as the economy bounces back. I guess they're hoping we don't notice.

2 years ago, immortalmoonchi

Used to be good, but not anymore

I have been with Ally since December 2016. I have only ever had checking and savings accounts - nothing too crazy. My final straw was that the last few months, I have been unable to login through the mobile app which is a huge problem for me. I sometimes get physical reimbursement checks from my work and this is how I deposit them. Can’t really do that if I can’t login to a device with a camera! I kept the savings accounts open for a bit, but honestly the inability to transfer money to/from them from a mobile app to a different bank is very inconvenient and I have decided to fully move elsewhere. I did leave a few years ago and come back for my checking accounts earlier this year. I didn’t have an awful reason to leave the first time, but I ultimately left my checking accounts here earlier this year because 1. I could not link my debit card to Apple Pay. When I called to ask about it, I was told it’s just an issue they were having and had no plans to fix it. I do not know of a single other big bank in 2022 that has such a problem. 2. Pending charges just show up as the city and state of the store/seller and they set like that for a day or two. This is difficult to monitor my accounts for fraudulent or duplicate charges.

5 years ago, BudgetMaster B

Love them to bank and invest!

I’ve been saving online with Ally for a couple years now - using them for a savings account was a no brainer. But I DID use the ole brain to decide who to go with for my first foray into the stock market. I read up on best apps for beginners, pros and cons of several different platforms, etc, and decided to go with Ally - ultimately the fact that I already banked with them gave an extra ‘pro’ to them on the list, in addition to charging NO commission and NO trading fees, which seemed basically unheard of on most other apps I looked into. I’ve had my investment account open for most of this month and it’s been a really easy, unscary process (as Unscary as the stock market can be, anyway.) I used them to buy a handful of specific stocks I decided on after tracking those stocks for a year and researching them, and I plan to use this account to grow my money towards retirement, investing a modest amount each year (not to actively trade, and not to quickly grow funds that I then want to immediately use). So my experience based on that goal has been really great!

2 years ago, SamBrowning

Locked my account and hung up on me

After a friend’s glowing review, I signed up for Ally Banking. After a month of things going okay, I remotely deposited a check from a friend, and even though it was made out to me, she put my Instagram handle on the address line. Without so much as a call, Ally locked my funds and closed my account for “suspicious activity” (causing my rent check to bounce!) When I called to ask what happened, the first person I got couldn't tell me anything saying someone would call me in a few days. Only after intense pleading did she forward me to someone else who then tricked me into saying I was using the account for business, told me all the money in the account and the “business” check were frozen until the check cleared and (after however long that takes) they’d mail me a check, and then hung up on me. Every call I made after that I was polite and cool, but they were rude and short and didn’t seem to care that they were holding all the money I had to my name and wouldn’t give me an approximate date that would get my money after the check cleared. I feel betrayed and bamboozled, and I praying they send me my money because it’s literally all I have and I won’t be able to pay my rent (which is now late) until I get that check!

5 years ago, Danial Jackson

Outstanding Investment and Banking Platform

I moved my money over to Ally because I liked the ability to easily create additional checking and savings custodian accounts for my kids all manageable from one place. Each with their own debit cards and free checks! + Found a really neat savings feature called buckets to help save for specific goals. Noticed they offered an integrated investment platform and so I opened one just to test the waters. This ended up being one of my favorite features. My money is transferable from any Ally checking or savings accounts IMMEDIATELY (as in only seconds to process) great if a last minute opportunity develops. The platform has been 100% responsive and reliable executing trades of both stocks and options. They allow you to sell short or buy long, and offer a good research platform. There are API integration features to enable other custom platforms and rich detailed market data. Best of all great 24/7 customer support that is both responsive and provided by real humans. Have an issue and they have your back, it exceeded my expectations by far when compared to other banks and trading platforms. Oh yeah as another big plus 9 times out of 10 they have the highest interest rates available out there on the savings accounts! While none of us are planing to get rich on interest it’s nice to have my cash value savings keep up with inflation, and get that nice compound interest as it sits safely. A+ 5 star from me

4 years ago, JaredEN2

I can’t access my account due to a problematic registration process.

I downloaded the app, when opened, the app prompts you to open a bank account. I went through the process, a few hours later I get an email saying my accounts are open and can be accessed by logging in. I never made an account, there wasn’t any registration process when I was opening the accounts, and you can’t even register in the app. I couldn’t find any information on signing up and logging in the app’s “Help & FAQ” section, so I had to resort to reddit, they said you have to register on the website. So I head to the “Enroll in Bank and Invest Online Services” page and enter all of the required information, but every time I enter my info It says “We’re sorry. We’re unable to complete your enrollment online.” I guess I’m gonna have to call them, this whole situation is absolutely ridiculous, and I can’t be the only one who has had these issues. Very rough start to what should be a smooth experience. I just downloaded Capital One, went to the website and registered with a checking account without any problems in like 5 minutes, not even exaggerating. All I have to do is add funds to activate the checking account. Way, way more intuitive.

2 years ago, mommmio

If Negative were an option I’d rate -7

Very bad experience banking with this Bank, first my account was suspended from sending Zelle payments simply because the receiver was of Latino decent therefore “ suspected fraudulent activity” so I had to call and my money was held in limbo over 24 hours before it would even send. Then, I tried to transfer funds between accounts that I did verify and via the app it did not show the transaction was completed, however, on the bank end it looked as if I had overdrawn my account which I did not, but I was drilled like I was a criminal!? Then a deposit I made was held over two weeks while they conducted their “investigation” and my online access was denied and I had to upload all kinds of proof of identity, even insisting I include a bank statement from my other bank!? That Shouldn’t even be legal due to privacy rights?! So, if your considering using this bank, think twice, Unless you enjoy being on hold 25 min at a time only to be referred to a “specialist” and hold another 30 min, just to be treated like a crook!? I verified all my info but nobody bothered to contact me or offer me any apologies, nor to inform me that my held deposit was finally being released as my online access is still blocked!? It’s ridiculous!?

5 months ago, l0rilita13

Going back to CHIME - I just can’t anymore!

I’m not the smartest when I comes to finance-I’m more artistic numbers aren’t my thing! I like simple and straight forward - I’m not even asking to be EASY to use! It’s like everytime I open this app there’s an update and then I’m also being told I’ve not set up for facial recognition 😒 it’s been a year now or actually Nov ‘24 would be two years since I switched and I’ve regretted ever since! I only opened this account because chime don’t do wire transfers and Ally was suggested to me by my nephew he graduated with his finance degree so ok he’s smarter than me 🤷🏻‍♀️and he knows more than I do….well 😒 I’ve been miserable dealing with this app. The only reason why I haven’t switched is because for the past 6 months we’ve had a lot going on in life; illnesses, moving, new jobs, loss of jobs and just trying to adjust to our new lives! Honestly the only thing I’d miss is the fact that Zelle was built into the app lol 😂🤷🏻‍♀️ but hey for you finance peeps hey to each their own right?! Chime had the simplicity that I now miss sooooo much! Honestly I kept hoping I’d love this app but I just can’t anymore!

4 years ago, Sealvl

Really long wait

I made my account for trading months ago. I’m still filing for my account to be fully active. You have to jump through so many hoops to use this app. You have to file for your bank and IF they accept it which took me 6 tries to get accepted because they didn’t like the way my documents looked? Legit got confirmed from the same thing I sent every time because that’s what they kept asking for. Anyway then you have to wait 4 or 5 days for your money to show in account then you have to wait 4 or 5 days for it to “settle” in your account. Then you have your money all set and oh wait you still can’t use it even though you have it. You have to now apply for options which will take 2 to 3 days. I applied for Fidelity and got instant access and the app is cleaner. But my friend is using this app so I’m going to be using this app. But there should be a easier way to just apply for everything out the get go. None of this wait months to do anything crap. Super in convenient. Other then the looooooong wait the bank it ok. The app only has 1/4th of the features so expect to have to use their website every now and then.

2 years ago, Cmoore1887

Happy with the bank - awful app

I’ve had Ally for years and it’s been a pretty good bank. I’ve only ran into a few issues over the years. Couldn’t access a larger amount of cash ($2700) due to the lack of brick and mortar locations as well as a few issues with customer service. All in all though way better than my experiences with Bank of America. My main issue is the app, I’ve sent in messages (only to get a response that they “looked into it” and didn’t find an issue) mostly on log in screen. It used to shut down and close out the app 3-4 times before it would let me in. Now, for the last 3 weeks or so it’s just loads and loads and never opens so I can’t access my account. I’m only able to get in about once in every 8-10 times I try. Yes, I’ve deleted and redownloaded, and everything is up to date. This is the only app (and I have 3 bank apps) that I have any issues with logging in and consistent issues over the years. They also often have down time. It’s unacceptable for a bank to have this much time where I don’t have access to my money. It’s obvious you need a better technical team to support your product.

4 years ago, Remote does not work

Slow deposits - zero notifications about late deposits

I opened my account in the hopes of transitioning my main income and pay my bills all through Ally. I have had nothing but problems accessing and moving money, it’s been extremely frustrating. After my immediate deposit of 10,000, I couldn’t take it back out in full for 90 days, without being limited to $500 per day (or $1000 per day, I don’t recall). My most recent example is trying to deposit a check for $500 that was received for Christmas. It was submitted via mobile check deposit at 10am on 12/31, it shows as deposited in my account, but not in my balance. The deposit was apparently placed on an extended hold. I didn’t receive any notifications, no emails, I had to call customer service to get an explanation. I have several other checks to deposit and would have loved to be able to get this one back if I would have known this. The only option when this happens is to use a brick and mortar bank and transfer it. Perhaps I didn’t setup my account correctly or it may be user error on my end, but since I’ve had consistent issues depositing and getting my money back through this bank, I would only consider Ally to be a secondary money moving option.

2 years ago, c3n001

Update: horrible back & app is extremely buggy

UPDATE: Ally is consistently the worst institution I’ve ever banked with. They MUST be buying positive reviews because there’s no way thousands of people have a 5-star experience. Not only does the app continue to be horrible (regularly crashes, “cannot display” my accounts, can’t login, can’t use the “request a debit card” feature…literally nothing works lol), but service is terrible well. There is a chat feature but the agents can’t do anything, so you’re ultimately pushed to call - which is only available 8am-5pm ET and regularly has hold times of over an hour (despite the app displaying wait times of ~10 minutes). Also, they randomly suspended my checking account without a valid reason and then couldn’t find a record of that suspension to reverse it. So the tl;dr is, if you like your banking to be hard, Ally is for you. Otherwise, steer clear. So far it’s been relatively easy to manage my money - except the app is INCREDIBLY buggy. This is my first experience with an online-only bank and I expected way better. Routinely crashes while I’m using it, signs me out, and resets my login preferences. This stuff never happens with any of my other banking apps. Bizarre.

8 months ago, Trustmeimmadoctor

Buckets are great

So far I enjoy using the bank and a major reason I chose them was because of the spending buckets. You allocate money into different buckets for different purposes such as bills, eating out, savings. The only thing I would change about them is the way they take the money. If you spend somewhere it doesn’t recognize, it will take it out of the “unbucketed” money. It will take money from multiple buckets if necessary to put in unbucketed for your purchase. The problem is once I redirect the purchase to a bucket that already had the money in it, the app puts the money back in the unbucketed section. Now I have to manually put all the money back in the different buckets. Example: I took $300 out of the atm to make a payment. I had a bucket for this but the app took money from 4 other buckets to cover it. Then I had to figure out which ones and how much to put back in each. I hope this makes sense. If they could make it so the money goes back where I had it on its own then I would give it 5 stars.

3 years ago, Corporate Sell Out

So Far So Frustrated 🤷🏻‍♂️

I just switched over to this bank based off of the high praise that their customer service department receives. Truth is, I haven’t even had the app long enough to need customer service, and I’m already quite frustrated. The app is incredibly buggy and feels very unreliable. The login system is glitchy and often forces me to close and reopen the app before it finally lets me log in. All of the Help and FAQ sections on the app never load in, they just sit frozen with a loading sign. And I’m trying to stick to facts that are actually happening and not inject too much “grumpy opinion” in this but I have seen some people saying the app is very non-intuitive, and I have to agree. Menus feel clunky and difficult to navigate. I work with some incredible UX designers, and it’s amazing what hiring a smart one can do (or if you have one, giving them a bit more room to shine). Anyway, not sure if anyone ever reads these but these are my thoughts. I put this at three stars stars because I have faith that someone smart at Ally will see this and help prompt some big app changes.

5 years ago, mgwatt

Best Bank thus far

I’ve been with Ally for several years now. I have a checking and savings account with them. Even when I couldn’t find a bank to finance my car loan, Ally was the only one to trust me with a car loan. I paid off that car with no issues from Ally. I would recommend Ally to everyone that I know. I realized recently how great they are. I had not used my account for over a year, probably a year and a half. So, when I called them the other day, to my surprise, my account was still open and ready to use! Amazing!!! And their live customer support is the best! I’m seeing negative comments here, but why would you use a bank for stock investments? Maybe if you are having issues with Ally’s investment program, try using companies that focus just on that, and come back to Ally once they have mastered that option. It seems that their stock investment program may need some updating, but don’t write them off just because you’ve had issues. Ally is still a great bank option.

3 years ago, zombie guyy

App issue

I have had to call into the bank three times in two days. This bank has done some kind of update to there app and it tells me two out of three times that I’m not enrolled into there Face ID or passcode. They told me it’s a error or glitch with the biometrics of the app but I have to delete the app and reinstall it. I have no idea if this will help. I’m going to find some other bank now to do business with. It would also seem the customer service people really don’t know either what’s going on and no one like even a manager has got back to me. Ally bank was good years ago I don’t know what there trying to accomplish but it’s going the opposite direction. This problem with the biometric the lady told me has affected some 7,000 accounts. I hope they fix this because it will lead to customer’s leaving. Not cool.

2 years ago, aamana33

Stay away

I have so many complaints about this app but I’ll only mention a few so I have time to do other things today. I’ve ‘enabled’ faceId maybe 30 times in the last 2 years I’ve had the app. It takes forever to load. When it finally does load everything on the page jumps around and you have to wait 5 seconds to load or risk pressing the wrong thing, which I have annoying done many many times. But this one, and this is to illustrate just how little thought they put into their app, when you go to the trade tab of the stock section, the find the stock ticker option is hurried half way down the page and is a link to a search page. I came to that page to search!!! Like what were they think? I should also mention one time, when I went to look at my savings and checking account, they weren’t there. I was emailing and calling and trying to chat through the app for half an hour panicking. Not one response. No follow up either. They re-appeared after half an hour, but No one should have to go though that. This is simple stuff that is just mind boggling that they got there.

4 years ago, horrible service work

Horrible service

I’ve had my ally account for 3+ years now as a 20 year old investors , today my tesla stock went up 14% pre market and so I sold for cash , the unsettled funds of the trade I used on another purchase of tesla as it seemed to keep going up. It slowly and I mean slowly started to drop and so I decided to sell my shares at a 200$ loss on my 1500$ gain from earlier. This is where the unsettled funds screwed me over as I was met with rejected contracts to sell and a phone number to call. With absolutely no override for the selling of the stocks any other way. I don’t care if my account is suspended for 90 days as I can just switch brokers and so this seemed so dumb for the investor to only have the option to call for the brokerage to sell my shares. This comes hand in hand with the horrible response times of their customer service and I have been on the phone waiting for 75 minutes as of right now and 45 this morning, all while tesla stock goes down nearly 200$, provide an option for stock sellers to sell and have their accounts reprimanded I’d rather not be able to buy any stocks for 90 days than lose my money. I’ve been waiting forever and continuing to watch as my 1500 gain is now -350. Use a different broker.

1 year ago, PartyLady09

Big Brother

Initially, I hated Ally because it was so complicated to open an account. After I finally got the account set up, things were great. Lately, I have had some negative experiences. A few months ago, I tried to make an online purchase, and Ally declined it. When I contacted Ally through their chat feature, which is a mess (more on that later), they said that it was a high risk site. It wasn’t. Then they informed me that users are prohibited from using their debit cards on betting/gambling sites. While I wasn’t using my card on a betting/gambling site, who does Ally think they are being the moral police? It’s MY money. If I want to gamble it away, that’s MY choice. The chat feature is a mess. I couldn’t send a message until I closed the app and reopened it. Because of this glitch, it took forever to convince Ally to let ME use MY money. There is a bug in the current version. I have reported this through the chat feature, to no avail. When I log in, it tells me that I need to update my iOS to 10.5.1 or higher. I’m already using 10.6. Maybe reporting this issue here will get somebody’s attention.

1 year ago, Gtmgt12

Failed to pick up check they made us mail

We have used Ally for years, and we have never had an issue. However, when we sold our house, the title company gave us a paper check. The amount of the check was greater than the electronic deposit limit, so we called Ally and they told us we had to mail it to their PO Box. We sent it via certified mail, and (according to the USPS tracking) it has been sitting in their PO Box, waiting to be picked up for DAYS. I reached out to customer service today to ask when (or if…) they were going to get it. It took over an hour and a half of back and forth with customer service. At the end of the ordeal, they basically told me that they had no way of knowing when they would check their PO Box, and after it was picked up, it would take another TWO WEEKS to process. Allowing for timely deposit of money is like, the most basic function of a bank and Ally is completely failing. Their failure to execute this most basic of banking tasks is costing us real money and risking our ability to buy our next home. I think once we clear this hurdle, we will switch banks. This is entirely unacceptable.

1 year ago, Morgs97

Awesome Bank w/ Sometimes Troublesome App

This review is NOT about the bank, but the app. This app glitches quite a bit. There are times when it randomly says that Zelle is unavailable or that I can't log in as if my account no longer exists. Also, Zelle doesn't consistently show the little purple z by my contacts so I can verify they're enrolled before I send money. When I try to view transaction details, the app loads a blank page and it doesn't load anything more even when I pull down on the page to reload, open and close the app, or even remove and reinstall it. The developers really need to look into what's causing all of these bugs bc I have the app for a reason; I don't always have access to my laptop and the entire purpose of the app is to provide convenient access from a mobile device. Besides that, I like that things are easy to find on this app and the display and setup is very nice. Those bugs kinda dim that shine, though.

4 years ago, kelseybrianaaa

Great but could be better

I truly enjoy banking with Ally Bank. I’ve been a customer for almost 10 years. The mobile app has come a long way. I’m definitely enjoying the new feature but there’s always room for improvement. Most banking apps include a budgeting feature. I think it’s time for Ally to implement a budgeting feature in their app. I’ve been using 3rd party apps to keep my budget in check, but it would be much more convenient to do this right inside the Ally app. The buckets feature is okay but could be improved. I like the idea of “cash envelope system” and the buckets feature is a sort of digital version of this. I do think we should be allowed to create as many buckets as we like. I also which we could create buckets in our checking accounts. You should also be able to allocated fixed amounts rather than just percentages. If these things are fixed, you’ll get that 5th star from me. Keep up the great work Ally bank!

1 month ago, Jayvaun

Awful app

This app is just awful. It was supposed to merge my auto and bank account and it didn’t merge anything. I can’t see my account and ally has the absolute worst customer service. Sat on the phone for 30 minutes just to not have anything resolved. When I try and log in with the ally auto app it says to use this app so I finally got logged into this app after sitting on the phone for 30 minutes and now it’s not showing any of my auto account, which is the whole reason I have the app. I called the number and the lady said my accounts should be merged but they’re obviously not… now I’m sitting on hold with the ally auto side because she said the auto service team has to look into it. I will absolutely not be using ally again in the future, you guys could not have made this any harder. I called back again and your customer service said he cannot do anything about the auto account so I need to speak to the auto team and when I spoke with the auto team they told me they don’t deal with merging the accounts. This has got to be the worst banking and loan app I’ve ever used. NEVER AGAIN.

4 years ago, sarasays...

Horrible bank

Dont be fooled by other reviews, Ally will screw you any chance they get. I deposited a check from a very large school corporation. They refused to deposit it in a timely manner by saying they have “inside knowledge” the check might not be paid. I messaged into a rep and she essentially accused the school district of being bad check writers (which is absolutely and unequivocally false). This is slander and I told her that. I forwarded all of this to the school district and they've sent it to their District Attorney for further action. Bottom line? DO NOT TRUST THIS BANK WITH YOUR MONEY! They will lie to keep your money for longer. Why you ask? Because the longer they hold onto it, the more they can use it and make money off it, before releasing it to you. In the meantime they have NO PROBLEM slandering huge organizations. I wouldn't trust them with anything beyond direct deposit. Anyone who trusts Ally is a fool. Find a better bank. Ally is just out for themselves. And I hope they get sued by the school district for slander. If there were ever a class action against these thieves I’d be the first in line to sign up. I’d give them -0000 stars if I could. I wouldn't recommend them to my worst enemy.

2 weeks ago, Ftfhkuvxfbcg

DO NOT USE THIS APP OR BANK

I have had nothing but issues since I chose this bank my previous bank NFCU was and is amazing I only decided to use this bank in order to more easily use Zelle which my landlord asked me to make rent pymts through. It has been continuous issues of having to request a card and due to their system issues the card is delayed or never delivered and instead of them (knowing that their computer created this issue because it happened to multiple accounts) deciding to resend card I have to call and request it and then I have to call to have it expedited. I am going to see if my old bank works with Zelle and then I’m gonna complete the direct deposit forms for my account. Having a digital bank is great everyone but not this one there are digital bank that will create digital cards you can add to your Apple/google wallet until the physical card appears. I wouldn’t trust these geniuses to do it even if they offered. DO NOT DO NOT DO NOT BANK HERE. Do your research and read these reviews save yourself some tears and heartache PLEASE. If you have any questions for me I’m happy to answer them.

3 years ago, Calilulu

Worst Bank I’ve Ever Had ….Unfortunately

I tried so hard to love this bank and gave them many chances but I’m done. I have had problems accessing my money, been charged fees for same day payments that I didn’t request and been locked out of my accounts for days on end… that’s just to name a few of the issues! The people are nice but I have had to call on numerous occasions for literally hours each time to try and correct the above mentioned issues. The final straw for me was when I scheduled a bill pay for a few days away. There was no notification of a fee. They paid the bill and charged me a $9.95 fee. I called and they kept me on the phone for almost 2 hours. They said they couldn’t refund the fee because there was no proof I didn’t know about the fee. So disappointing! I come from a time when if a customer called and shared a concern you took care of the customer. I will be going back to my old bank where in 15+ years I never had any of these issues. I don’t expect them to care. Clearly they have enough customers and enough of their customers money that they don’t care about me and my money.

5 years ago, ethansinjin

Update Required pop ups affect app usability

The Ally app is in the top 25% of financial related apps I’ve used. Over the years, it has gotten consistently better, particularly since they moved ATM finder back into the app (instead of requiring a separate download). I do have a few complaints, though. I work for a communications company that has an app in the App Store. Sometimes, due to non backwards-compatible API changes, we need to force users to update to the latest version of the app in the App Store. But, we generally do this sparingly, with great regard for the annoyance it causes users. And when possible, we support the past few versions of our app instead of only the latest release. Ally has released 5 updates in the past few weeks (good!) but forces only the absolute latest version on users (bad!) if you open a version that was released only a day ago, you can’t use the app until you go to the App Store and update. On top of that, it seems like Ally Bank is using the Staged 7-day releases feature of App Store Connect, which doesn’t auto-update the app for the majority of users until a week after the update goes live in the App Store. The end result is a massive pain as the daily use case/experience. It would be great if the “update required” feature could be used more sparingly (maybe support the last 2-3 versions instead of just the latest?) but if that’s not an option, consider turning off the Staged Rollout feature.

1 year ago, Daniegrl22

Not well developed

I first got Ally when I purchased my AC. Then I got an offer for their credit card I didn’t even know they had. I haven’t had any issues with my accounts and payments. That being said l, their app and site need work. On the app, no matter how many times I set up Face ID and passcode, it doesn’t work when I go to log in and says it’s not set up. I enter my user name and passcode and it won’t pass the log in screen. When I do finally get it, it only shows my credit card. In order to see my loan for my AC, I have to go onto a web browser and use a separate log in to be able to view that account. In my opinion they need to not only fix the app but also make it to where their consumer can see all their accts with Ally under one Id. Also they need a disclaimer that if you are removing a payment method that is associated to an autopay on the account, that you need to turn off autopay or that payment isn’t actually deleted and will keep billing to the acct that was removed.

3 years ago, Bannister832

Please make an Okay option after update screen

I have an iPhone 6, iOS 12. My phone won't upgrade to 13, and I don't plan on changing phones anytime soon. I recently switched to Ally Bank and downloaded the app, which says it requires iOS 13, but that there was an older version available that I could download. I downloaded it, set it up with my credentials, blah blah and closed it out. The next time I opened it, it says to update. No 'Okay' or 'Cancel' button. No 'X'. Uninstalled and reinstalled and same thing. Which ultimately means I can't access the app. I understand that there are features and fixes in the iOS 13 version that aren't in older versions, but I'm sure Ally has a lot of customers who haven't upgraded their software for whatever reason, and personally, it would be extremely helpful if there was an option to close the dialog box so that the app is accessible for older devices. Thank you for coming to my TedTalk lol

4 years ago, sychou

Out of control loss prevention policies

I opened an account on the basis of their many positive reviews, and have really regretted the decision. I wired a significant amount to them immediately on opening. Then I had the audacity to deposit checks that were also significant amounts - a tax refund from the State of Illinois and a dividend from a well known REIT. I never withdrew any funds. Somehow, my account got flagged by their loss prevent algorithm which shut down all access to my account. I called them and was told it could take up to 10 days to clear. While I would understand if they would put a hold on the checks until they cleared, I don’t understand the complete lock on my account. The wired funds have been removed from my other account so are completely unavailable. This is horrible policy on Ally’s part and horrible customer service. As far as I can tell, Ally’s policy is that your funds are their funds until they say otherwise. I am only grateful that I don’t need those funds soon. If you want any actual control over your money, I highly recommend you skip this impersonal, online bank that clearly puts all risks on its customers.

5 months ago, krissi_t

Something’s fishy

I have an auto account through Ally at first the app was working fine. I set my account for auto pay as I usually do when I have a car note so through the auto app I became interested in their savings account so instead of looking at the reviews (my mistake) I opened a savings account that app was also working fine I deposited only $100 just to start (thank God) and suddenly the auto app stopped letting me login telling me my user name and password didn’t match I called customer service which was awful they knew nothing and solved nothing so I said forget it I’m on auto pay. Well the day my $100 was suppose to credit to my account I logged in that morning and guess what I couldn’t login and it told me after 5 attempts we’ll lock you out. Called customer support and she told me I can reset your password but now I’m suspicious of the whole thing so I told her to just close my savings account and refund my $100. I have never in my 50 years on this earth ever heard of a company that has no control over their own apps the worst experience dealing with a company ever.

4 years ago, evanfishes

GME & AMC Outage (6 total days)

Unable to log into my brokerage account on Wed & Thurs last week during the height of the GME & AMC stock craze. On Friday I was able to log into my account, however all my balances were incorrect, showing stocks I owned 5 yrs ago. I nearly had a heart attack. At this point 3 days had passed and Ally had not reached out to provide any info or updates. After reading angry comments left on Ally’s FB & Twitter page I came to the conclusion that this was a system wide issue affecting mostly their older accounts. When all was said and done, I had gone 6 straight days without account access. During this time I lost a lot of money on trades I couldn’t make. Ally finally sent an email on 2/1 at 4am...about 4-5 days too late but I guess better late than never. I can maybe understand that their infrastructure was ill equipped to handle the huge traffic surge. I can’t, however, forgive their lack of transparency & accountability during this whole time. I’m done. I’ll be closing out my account and moving it either to Fidelity or Charles Schwab shortly. I never take the time to write reviews, but this whole experience really rubbed me the wrong way.

1 month ago, daltonwood

Good bank, good app, one flaw

I've been with Ally for years, they're a good bank and it's a good app. No major complaints, except one. The app has one fatal flaw for me: the mobile check deposit is horrendously bad. Every single time I deposit a check, which is at least once a month for almost a year now, I spend anywhere from 5-10 minutes on it. It never automatically detects the check, I have to sit and wait until it gives up and allows me to do the manual capture. Once I do the manual capture for each side, and press Submit, it spins and spins until it tells me to retake the photos. You will repeat this process anywhere from 4-10 times. You will spend 5-10 minutes bouncing around your office or home placing the check on varying dark surfaces in varying levels of light it until it finally gets it right. I have an iPhone 15 Pro, so the camera could not possibly be the source of these problems. When I had an iPhone XS I probably spent 5-15 minutes on depositing checks every month. Yeah, I know, 5-15 minutes, woe is me - not much time out of your day in the grand scheme of things. But, when the app finally does deposit the check successfully, there's no consistency to why it worked - it might as well have worked the first time which is what frustrates me. It's 2024, why is it so unreliable and terrible? If I had to deposit checks more frequently I would just drive to my credit union, and wait on the wire to my Ally account(s). It's that bad.

2 months ago, MS_M13

Forced to link other Ally accounts

The app was fine until I was forced to link my 2 Ally accounts. I have 2 accounts with Ally. One is for my auto loan and the other is for a custodial savings account for my kids. I’m unable to sign on to either unless I link the 2. I was avoiding having to do so as I was able to sign into my auto loan without having to link the custodial account even though I was prompted, until today. I haven’t signed into the custodial account in months because that didn’t allow me to unless linking the 2. While it was annoying not being able to sign in, it wasn’t that big of a deal as I transfer money from my primary account which is not Ally into the custodial account. However now I’m unable to sign into my auto loan account which is how I make payments unless linking the custodial account. I know that probably doesn’t sound like a big deal but they are completely different accounts. One has nothing to do with the other so I find it annoying that I’m forced to combine the 2.

2 months ago, black_mystery

A strictly online bank needs a better app

It’s been alright banking with Ally, but it’s shocking their app has so many bugs! They are solely online so they should have the best app, but nope! My local credit union does better than them! Sad! If you’re saving money on not having brick and mortar fronts, then actually invest in your customer facing products. Examples:1) non-VPN friendly. 2) if you are looking at a checking account and select a pending transaction, the information shown is not actually that transaction, rather a randomly selected transaction from a year ago. I have three pending right now and all three show various transactions from Sept 2023 with incorrect amounts shown. Annoying!! It’s been like this for several months now. 3) when trying to add a phone number to get overspending or account balance notifications, I selected “add a phone number” I entered my number, hit save, the app loaded for a few seconds then took me right back to the “add a number” screen without actually saving my number!!

2 years ago, Stacey.Bee.64

Super glitchy for the last few months - what is happening?

I’ve been using and loving the ally app for years, but over the last few months, periodic glitches have made it completely unusable about half of the time. Beginning a few months ago, I regularly have issues logging in. Sometimes, the app freezes on the purple loading page and never brings up the login screen. Other times, I can input my credentials, but either nothing happens when I click submit, or I get an error message saying, “We can’t take you to your account right now.” I’ve tried uninstalling and reinstalling the app, disconnecting and reconnecting from Wi-Fi, and restarting my phone. It happens on new and trusted Wi-Fi networks, and when I’m not on Wi-Fi at all. It seems to happen mostly after updating the app, and previously, it returned to normal after a few days. I spoke with an ally rep a while ago who said there are no known issues with the app. My husband and I got home today from a two week trip, and we have had no access to our online banking for over three days on either of our phones. We were able to login twice in the week before that, and ended up using a credit card for most of the trip because we couldn’t check balances and make transfers in our checking account. As of this writing, I still cannot get to the login screen on my mobile app. My husband and I both have the iPhone 12. So far I can’t confirm if this is an issue on other devices, but I will update this review as things change.

4 years ago, Donnie504

Good but disappointed no use with VPN

Overall I’m satisfied with Ally and the app. I still wish it was easier to see pending transactions and I randomly (at least to me) have transactions declined while at the store but I get a text now that I can tell them to accept the charge whereas in the past I would have to step out of line and call them. However, what I am most upset about is the fact that I can’t use the app with the VPN on, on my phone. I couldn’t login to the app for days and didn’t know why until I came to the app looking for an update and saw someone had commented on the VPN issue. When I contacted Ally about it I was told they value security (ironic) and such as don’t allow certain internet protocols and if I could still login online I would be fine. Well, apparently I can’t login online either unless I turn of my VPN for that too. This is highly inconvenient, especially when I don’t have this issue with my other banking apps.

4 years ago, Tagalongdoggie

Checks take forever to clear

If you need you check to clear quickly, this is not the bank for you. They take at least 7 days to clear which is a very long time when you need your money. They also make you jump through hoops to get direct deposit. You can not just give your employer your bank info and be done. You have to clear it with ally first. I am going to add to this and take away stars. First of all, the fact that it takes about 9 days for a check to clear is absolutely ridiculous. I live off the grid with nothing but limited internet service. I can not call. I don’t get cell phone service so I can not receive the stupid text verification to send them an email. I don’t make a lot of money so the fact that it takes up to 9 days for a check to clear literally causes my family to starve. They need to change this. Other banks clear their checks within 24 hours. They make customer service easy to contact and they make sure you are satisfied. I have revived no response ti any of the emails and messages I have sent. Do not use this bank.

Description

Making your financial life simple and secure has always been our thing. Easily manage your bank, credit card, invest, auto and home loan accounts on the go — all in one app. Ally Auto • Make one-time vehicle payments or use Auto Pay to schedule future payments • Manage multiple vehicles from your Snapshot • Stay on top of your financial health with free FICO® Score updates Ally Bank • Save more with smart savings tools: buckets and boosters • Avoid monthly maintenance fees and hidden fees • Your deposits are insured by the FDIC up to the maximum allowed by law Ally Credit Card • Make secure credit card payments, review credit statements, and check your FICO® Score for free • Ally Mastercard credit cards available by invitation only Ally Invest • With Robo Portfolio, choose one strategy, then select cash enhanced for no advisory fee, or invest more money in the market with a fee-based, market-focused portfolio • For the more hands-on investor, trade commission free on eligible U.S. stocks and funds with Self-Directed Trading • With Personal Advice, start with a $100,000 minimum in assets under care and receive ongoing guidance from one dedicated advisor for all your assets — even ones we don’t manage Ally Home • Track your progress toward paying off your home loan with real-time updates • Use autopay to set up recurring payments with no additional payment fees We’re serious about security • We never store personal or account information on your phone • Our security codes provide extra protection when you log in from a computer or device we don’t recognize • Our online and mobile security guarantee protects you against fraudulent transactions You should know • The Ally app is free — your mobile carrier’s message and data rates may apply • FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries • Deposit and mortgage products are offered by Ally Bank, Member FDIC; Equal Housing Lender, NMLS ID 181005 • Savings buckets and boosters are features of the Ally Bank Savings Account. Spending buckets are a feature of the Ally Bank Spending Account • Early direct deposit, a feature of Ally Bank’s Spending Account, offers eligible direct deposits up to two days sooner • Securities products and services offered through Ally Invest Securities LLC, member finra.org/#/ / sipc.org. For background on Ally Invest Securities go to brokercheck.finra.org/firm/summary/136131. Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. Ally Bank, Ally Invest Advisors, and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc. ally.com/invest/disclosures/. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE • Ally Invest doesn't charge commissions for stocks and ETFs priced $2 and higher. Stocks priced less than $2 are charged a base commission up to $4.95 plus 1 cent per share on the entire order. See ally.com/invest/commissions-and-fees/ for more information