Using The Ally Bank Visa Debit Card

When you're ready to gain access to the Ally Visa debit card, you just need to open a checking account. The entire process can be done online because there are no local branches for Ally Bank. Once approved, you will receive the debit card and benefits begin immediately.

Using the Debit Card

The Visa logo on the Ally Bank debit card makes it easy to use the card anywhere you want. You can pay at the gas pump, buy groceries and go shopping anywhere you like without worrying if the card will be accepted. When you want to make a purchase online, you have the Visa logo, which is the most accepted card on the planet. You can even use the card over the phone if you need to make a purchase that way as well.

When cash is needed, it's not a problem. The debit card features a four digit PIN number that is assigned to you when you get the card in the mail. This allows you to use the card at ATM machines around the world. You can choose any ATM machine you like. No ATM fees will be charged, saving you money every time you need to take cash out.

If you make a standard debit card purchase locally, you may also be given the option for cash back. You can then make a transaction and get cash in one step. Most merchants offer this service, allowing you to save time and have some cash in your pocket for the unexpected emergency that may come up.

Loading Money into the Account

Just because there are no local branches of Ally Bank doesn't mean it's hard to get money into your account. In fact, it's easier than ever to get money into your account. You have many options, including:

• Transfers
• eCheck Deposit
• Mail

You have the ability to make transfers into the account. You can set up an online transfer from another bank account into your Ally checking account. You can also set up a wire transfer. This can come from Western Union or the account of a friend or family member when you need a cash loan from someone.

Ally eCheck deposit makes it easy to get money quickly into your account. You can scan a check that you wish to deposit into your account. From there, you can submit the deposit details online. Once the information is verified, the funds will be credited to your account.

You can also choose to deposit checks, money orders and travel checks to your account by mailing them to Ally Bank. They will credit your account upon receiving them, ensuring you always have the money in your account that you need for your purchases, bills and anything else.

Perks of the Checking Account

Many perks are included with the Ally checking account. It's unlike many other checking accounts out there, partly because of how easy it is to open an account. Features on the account include:

• Interest earned
• Fee free
• Online account tools
• 24/7 customer service

Interest is earned on the account. You will earn a variable interest rate on the checking account similar to a savings account. Just by keeping money in the account, you earn money each month.

No maintenance fees are charged to the account. With no fees involved on maintaining the account, you keep more money in your account from month to month. Online account tools provide you with access to your account at all times. Password protected, you can log on anywhere you have an internet connection. This will provide you information about your account balance, past transactions you've made and your monthly statement. The statement can be viewed, printed or downloaded to your computer. Bill pay is also available online.

Customer service operates 24 hours a day, 7 days a week. You have the option of speaking to a representative with a toll free phone number, online or via email. If you have questions or concerns on the account, this is the easiest way to get them answered quickly.

Conclusion

Using a debit card has never been easier. You don't need branches to visit when you have a Ally Visa debit card to access your account. The online account management features ensure you always know what's going on with your account. Benefits last all year long and with minimal fees ever charged, you save money.