I don't think this is limited to Ally, but rather any bank that wants to try and protect itself from potential fraud. True you didn't do anything, but someone else other than a bank teller contacting Ally to restore your account because of a zelle payment they sent .... If you're hearing it from an outsider perspective it sounds fishy and I wouldn't want any part of that. Which is probably what Ally is thinking as well. The best thing to do is move to another bank and start fresh. Answer from live_laugh_cock on reddit.com
Reddit
reddit.com › r/allybank › how has ally become so bad?
r/AllyBank on Reddit: How has Ally become so bad?
March 3, 2025 -
I recently had an issue where a person from another bank sent me a sizable Zelle that they needed to transfer to me. The originating bank flagged this as fraudulent and Ally then shut all of my accounts down. The sender called their bank and explained what happened, and that this was not fraudulent. The sender’s accounts were all reactivated and the funds transferred appeared in my Ally account.
I immediately called Ally to restore my external account access and Zelle. They opened a case but it has been over a week and still no action. Multiple requests by app based message and calls. All I get are generic apologies and statements that the back office is working on it.
I have been a customer with Ally since they were GMAC, and have always found their customer service to be responsive. This seems to be a new Ally.
Are others seeing a similar devolution of service?
I am thinking about moving my accounts? Any good banks with reasonable interest rates that I should consider?
Thanks.
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I don't think this is limited to Ally, but rather any bank that wants to try and protect itself from potential fraud. True you didn't do anything, but someone else other than a bank teller contacting Ally to restore your account because of a zelle payment they sent .... If you're hearing it from an outsider perspective it sounds fishy and I wouldn't want any part of that. Which is probably what Ally is thinking as well. The best thing to do is move to another bank and start fresh.
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Welcome, it's been almost 3 weeks since they locked my account. The fraud department will give u the same crap that there's no time frame and they will reach if they need anything from you
Bogleheads.org
bogleheads.org › board index › community › personal consumer issues
BIG Problem with Ally Bank - Anything better? UPDATE - Bogleheads.org
July 31, 2025 - They just added a few days to all outgoing transfers, ACH and Zelle, so my situation, while sufficiently annoying to provide the activation energy to overcome checking account inertia, wasn't as bad as OPs. I still use it for Zelle since Zelle shut down their native app that could be used with the Fidelity Debit card (up to $500). ... The transaction that Ally could not process was a PUSH, so they knew they had the money. I was reluctant to do a pull at the same time fearing that both would then occur. Based on IT telling me that the "lockout" problem was on their end and now this transfer out problem, something is going on with their IT software.
How has Ally become so bad?
I don't think this is limited to Ally, but rather any bank that wants to try and protect itself from potential fraud. True you didn't do anything, but someone else other than a bank teller contacting Ally to restore your account because of a zelle payment they sent .... If you're hearing it from an outsider perspective it sounds fishy and I wouldn't want any part of that. Which is probably what Ally is thinking as well. The best thing to do is move to another bank and start fresh. More on reddit.com
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March 3, 2025Ally gotten worse
Honestly I have not had any such problems with Ally lately. Not saying folks having issues are imagining things. But I am inclined to think most people only post on this sub, when they encounter issues or annoyances. Which gives the impression that this bank is inherently dysfunctional in general. Nobody is posting about smooth sailing after routine transactions. Only issue I had so far was due to a mistake on my part. I did not hit the verify button quick enough and got Zelle functionality locked. Also I was annoyed that when I first opened the accounts outbound Zelle transactions took 3 days. After about a few months they were instant. More on reddit.com
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February 14, 2025How good is Ally?
I switched to ally in March of 2023 after being with Citibank for 20+ years and I haven’t had any issues. I opened a checking, savings, and a couple of CD’s. There are no maintenance fees and Zelle’s are instantaneous. The bucket system is fascinating. The ability to control transaction types on your debit card is nifty. I use my debit card about twice a year to withdraw cash so I have it set where I can only use it for that. Any other type of transaction is declined. More on reddit.com
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June 25, 2024Why do you stay with Ally Bank?
Higher interest rates than brick and mortar banks, coupled with me never having any issues with them (yet). I just use them for savings and keep my checking at a physical bank, just in case I need funds asap. Most people come online to complain, nobody makes a post to say they're not having any issues. More on reddit.com
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January 3, 2025Videos
WalletHub
wallethub.com › profile › ally-bank-13000140i
Ally Bank Reviews: 3,205 User Ratings
1 week ago - Excellent service and easy to discuss any issues with. ... I was a victim of fraud. I contacted Ally Bank, and instead of helping me, they closed my account. This caused me more problems, as I can't pay all my bills and payments since they held all my money.
Better Business Bureau
bbb.org › us › pa › ft-washington › profile › bank › ally-bank-0241-133953058 › complaints
Ally Bank | BBB Complaints | Better Business Bureau
BBB is unable to locate the business. Ally Bank closed my accounts for no reason and are holding over $18,000 of my money.
Trustpilot
trustpilot.com › home › money & insurance › banking & money › bank › ally reviews
Ally is rated "Bad" with 1.4 / 5 on Trustpilot
3 days ago - People report issues with customer service, citing difficulties in understanding support staff and a perceived lack of helpfulness. Consumers also mention problems related to payments, the bank's service in general, and staff performance.
ConsumerAffairs
consumeraffairs.com › home › finance › banking › best banks
Ally Bank Reviews: Written By Customers
October 24, 2025 - I Very dissatisfied with how this bank is handling my new checking account. They keep holding my money for one reason or another, and I need to pay bills. This has been a horrible experience, and I would never recommend them to anyone. I thought they offered a lot, but if I can’t log in or use my money, it’s just not acceptable. May have to hire Atty. next. ... Reviewed Dec. 18, 2025 · Overall bad experience with Ally customer service and support.
Address US
Better Business Bureau
bbb.org › us › mi › auburn-hills › profile › consumer-finance-companies › ally-financial-inc-0372-5001937 › complaints
Ally Financial, Inc | BBB Complaints | Better Business Bureau
BBB is unable to locate the business. company refused me to make a payment from my bank account. was informed i would have to use a different bank account to make a payment instead of my only account that I have.
Deposit Accounts
depositaccounts.com › home › banks › ally bank
Ally Bank Reviews | Rates, Tips & Ratings | Everything Ally
Law of Banking Momemtum Eventually, depositers will move their funds to the competition. When they do, this can happen very quickly, as many depositers will quickly follow outspoken depositers. You once were a great bank and you blew it. ... I have been with Ally for several years and never had any issues closing out a matured CD until today.
Address 200 W. Civic Center Dr., 84070, Sandy
U.S. News
usnews.com › home › money › banking
Ally Bank Review | U.S. News
4 days ago - As an online-only bank, Ally Bank has much to recommend it: lack of maintenance fees, no account minimums, access to a large ATM network and competitive rates on savings. However, you can't visit any branches, and you also aren't able to deposit cash except by visiting a Walmart.
Ally
ally.com › auto › auto-refinance
Auto Loan Refinancing: Pre-Qualify in Minutes | Ally
If you decide to refinance, you may be able to lower your monthly payment or reduce your APR. If you choose a loan term that is longer than the term remaining on your existing auto financing, you will pay interest over a longer period of time, and as a result the overall cost of your loan ...
Tello
marriagekidsandmoney.com › blog › ally bank review 2025: pros, cons and competitors
Ally Bank Review 2025: Pros, Cons and Competitors – Marriage Kids and Money
The trade-off, of course, is the in-person service that traditional banks typically provide. This includes things like cash deposits. Ally doesn’t really offer an answer here, aside from depositing your cash into a traditional bank and then transferring it to your online account.
Published August 6, 2025 Views 588
NerdWallet
nerdwallet.com › home › banking › reviews › ally bank review 2026: checking, savings and cds
Ally Bank Review: Checking, Savings and CDs - NerdWallet
Ally Bank
Ally is an online-only bank with good rates on savings and CDs. You can earn interest on checking balances and use more than 43,000 U.S. ATMs for free.
Wise
wise.com › us › blog › is-ally-bank-safe
Is Ally Bank safe? 2025 full guide - Wise
February 26, 2025 - Your USD is automatically converted at the mid-market rate, for just a small conversion fee. ... 💡 Need to make a business payment? With the Wise Business account, you can send up to 1,000,000 USD per transfer from licensed states. Discover the difference between Wise Business vs Personal · Ally Bank has strong security measures, but it's still important to do your part to protect yourself from banking scams.
EGBMoney
emilyguybirken.com › post › that-time-i-got-into-a-fight-with-ally-bank
That Time I Got into a Fight with Ally Bank
October 23, 2020 - Her professionalism unfortunately didn’t change my opinion of Ally. I reiterated to her how badly their policy serves their customers. I pointed out that every single other bank I have ever worked with initiates transfers the day after a bank holiday if one falls on a transfer date, rather than the day before. I critiqued her email communication skills (as she was the author of the above email), which I regret. (The email did make me feel like the company was saying “NEENER NEENER! This case is closed!” and that was apparently not what she wanted to convey, but having an angry customer critique your writing is not what anyone shows up to work for).
Yahoo! Finance
finance.yahoo.com › personal finance › banking
Ally Bank review (2025): Top rated online bank with a no-fee model
February 10, 2025 - It does offer next-day external transfers, although transfers can take up to three business days depending on when the transfer is initiated. No cash deposits: Ally doesn’t accept cash deposits. Funds can only be deposited into your Ally account via remote check or by mailing a check, online transfers, direct deposit, and wire transfers. As an online bank, Ally does not have any physical branches.
Fitch Ratings
fitchratings.com › research › banks › fitch-affirms-ally-financial-bbb-rating-outlook-stable-04-03-2025
Fitch Affirms Ally Financial's 'BBB-' Rating; Outlook Stable
Skip to main content · About · About UsContact UsCareersMedia RelationsFeedback · Regulatory · Regulatory AffairsCriteriaCode of Conduct & EthicsPrivacy PolicyReport an Issue / Whistleblowing · Product · Rating ActionsCoverageResearch & AnalyticsProducts & ToolsRating PerformanceNewsletters ...
CNBC
cnbc.com › cnbc select › banking › here's the best high-yield savings account for doing all your banking in one place
Here's the best high-yield savings account for doing all your banking in one place
May 28, 2025 - Below, we take a close look at the Ally Online Savings Account by breaking down its annual percentage yield (APY), access to your cash, perks and fees so you can decide if this high-yield savings account is right for you. ... Ally Bank is a Member FDIC.
Reddit
reddit.com › r › AllyBank
Ally Bank
December 22, 2017 - Lately any Zelle from my Ally acct is taking 5-7 days to land. This includes Zelle from my Ally to my husband’s Ally acct. They show as “pending” but the Ally rep keeps telling me that they’re completed on Ally’s end and the other bank needs to accept them.
Kiplinger
kiplinger.com › home › personal finance › banking › online banking
How to Skip Fees at the Bank | Kiplinger
November 21, 2025 - You can still find free, no-strings checking accounts. The above-mentioned accounts from Ally Bank, Charles Schwab Bank and Fidelity don’t charge a monthly fee, and other internet banks offer no-fee checking, too, including Axos Bank, Capital One 360, Discover Bank and EverBank.
Business Insider
businessinsider.com › personal finance › banking › savings › ally bank review 2025: features, pros, and cons
Ally Bank Review 2025: Is It the Right Bank for You?
May 6, 2025 - No longer offers some products, so it might not be the best choice for someone who wants to primarily have everything at the same bank ... The Ally High Yield Savings Account is a great option for anyone who wants savings tools to help save for specific financial goals, or prioritizes an account that doesn't charge standard bank fees.