Credit Card Review & Application

Ally Checking Debit MasterCard


out of 5

- No minimum deposit to open
- No monthly maintenance fees
- Earn money back with Ally Perks when you shop
- Free balance alerts
- Free Online Banking, Bill Pay, and Popmoney
- Free checks and unlimited check writing
- No ATM fees at any ATM nationwide
- Make deposits from home with Ally eCheck Deposit

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: N/A *
Annual Fee: $0*
Card Issuer: Ally Bank
Card Network: MasterCard®
Card Category: Consumer (Shopping)
Card Type: - Prepaid Debit Card
- Shopping Card
- Reward Card
Credit Needed: Accepts All*

The Ally Checking Debit card comes with the checking account from Ally Bank. The card has a number of perks, including the ability to earn cash back through a program known as Ally Perks. Combine this with the interest rate the checking account earns and it's possible to earn a lot of money throughout the year.

There are many ways to access money. There is a MasterCard logo on the debit card. This means the card can be used at millions of merchants around the globe, at gas stations and even over the internet. As long as money is in the checking account, the transaction will go through.

When cash is needed, it can be taken out in many ways. Many merchants make it easy to get cash back after completing a standard transaction. Further, cash can be taken at ATMs nationwide. A PIN number will be given when the debit card is sent out.

Managing the account is also made easy. A username and password can be created for online access. By logging on, a cardholder can find out a lot about the account. The balance of the account will be available. Past transactions can be viewed. Statements can be viewed, downloaded to the computer or printed. Balance alerts can be programmed to know when cash reaches a certain level. Transfers can be made to and from the Ally bank account to and from accounts from other banks.

Paying bills is very easy with the Ally checking debit card. The account allows checks to be ordered, the debit card can be used in person to pay a bill and the online account management tool can also be used. It is possible to schedule all bills to be paid online 24/7. This saves the time of writing checks and the cost of using stamps. A one-time payment can be made or recurring payments can be scheduled within seconds online.

Not having branches doesn't limit customer service. It's possible to have all needs met online, over the phone and by email. Customer service operates 24 hours a day, 7 days a week to answer any account questions. The bank is FDIC-insured, ensuring that all funds deposited into the account are completely safe.

Opening an account is very simple. There is no minimum amount required to open the checking account. There is a basic application to gather personal information and it can be filled out online. Once the bank has verified the information, the account will be open and the debit card will be sent out. It is then possible to start taking advantage of all the features on the account.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Reward Cards
- Other Rewards Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - Get money back automatically. You shop, and we put money right into your account. There are no points to track, no coupons to cut. Use your Ally Checking Debit Card online or in-store at a variety of participating retailers, and we deposit money directly into your Ally account.
Expiration: None
Yearly Limit: None
Other Benefits: - Free Online Banking
- Bill Pay and Popmoney
- Unlimited check writing
- Ally eCheck Deposit
- Free balance alerts
- FDIC insured to the maximum allowed by law
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: N/A *
Annual Fee: $0*
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 Checking Debit MasterCard® 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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