Credit Card Review & Application

Ally Visa Debit Card

4.5

out of 5

- No minimum deposit to open
- No monthly maintenance fees
- No ATM fees at any ATM nationwide
- View your account on the go with Mobile Banking
- Daily compounded interest for maximum earnings
- FDIC insured to the maximum allowed by law
- 6 transactions per statement cycle with no fees



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: N/A *
Annual Fee: N/A*
Card Issuer: Ally Bank
Card Network: VISA®
Card Category: Consumer (Shopping)
Card Type: - Prepaid Debit Card
- Shopping Card
Credit Needed: Accepts All*

by

Anyone looking for a checking account that is packed with features will enjoy the Ally Bank Visa debit card. This card is provided as a perk of opening the checking account. The Ally checking account earns interest like a savings account.

Interest is then earned each month, making it possible to earn money just by keeping money in the account. There's no minimum balance needed to open the account, which means anyone can open an account.

Ally Bank is different than other banks. There are no branches around the country. Instead, the bank offers various ways to spend and load money and rewards cardholders with interest on the checking account. There are no monthly maintenance fees and no ATM fees. The account is also FDIC insured just like a traditional bank.

Spending money from the account is simple. With the Visa logo, the debit card can be used anywhere. Since Visa is the most widely accepted credit card in the world, there are very few times when the card cannot be used. Cardholders can use the card on day to day purchases like gas and groceries, online for various things, over the phone for concert tickets and travel and kiosks for smaller items. Regardless of what is needed, the Visa logo will make it possible to make the purchase.

When cash is needed, ATMs can be visited. A PIN number is given to the cardholder upon getting the debit card in the mail. Any ATM machine can be visited anywhere in the world. There are no ATM fees charged to the account, allowing a person to visit any ATM, not just ones that the bank associates themselves with.

Adding money to the account is also easy. Even though there are no branches, it doesn't prevent anyone from having money in their account. Online transfers can be made from one bank account to another. A check can be mailed to Ally Bank to be deposited into the account. A wire transfer can be made, including direct deposit as well as friends and family. Ally also features the Ally eCheck deposit which allows people to scan and submit a check deposit over the internet.

Managing the account is convenient. Customer service operates 24/7. Representatives can be contacted online, over the phone and by email. Online account management is also provided. Access is given wherever there is an internet connection. It's possible for cardholders to view the account balance, past transactions and print and download statements. Bill pay can be scheduled and transfers can be set up. Any details on the account can be retrieved within moments.

Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: N/A *
Annual Fee: N/A*
Grace Period: N/A*
Late Payment Fee: N/A*
Balance Transfer: No
Application Fee: $0.00
ATM Fee: $0.00
Additional Fees Cross Border/Currency Conversion Transaction: Up to 1% of the transaction
Account Research (per hour) - $25.00
Ally standard checks - $0.00
Check images online - $0.00
Expedited Delivery - $15.00
Incoming Collections - $0.00
Incoming Wires (domestic & intl) - $0.00
Monthly Maintenance - $0.00
Official/Cashier's Checks - $0.00
Outgoing Collections - $0.00
Outgoing Wires (domestic & intl) - $20.00
Overdraft Item Paid - $9.00
Overdraft Item Returned - $9.00
Returned Deposit Item - $7.50
Statement copies online - $0.00
Stop Payment Item - $15.00
We do not offer online application for this card at the moment.


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† The information provided for Ally Visa Debit Card is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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