APY
0.25%
As of Nov 8, 2026. Rates are variable.
Ally Bank · Checking account
Ally Spending Account
$2 a year for an everyday customer. No monthly fee. No minimum to open.
- A year, everyday customer
- $2
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · ally.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · ally.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · ally.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonus
$1,000 in direct deposits within 60 days. About $500 a month for 2 months.
Ally Spending Account · Ally
Ends Dec 31, 2026Meet it within 60 days
“Open your first Ally Bank Spending Account, use code allyauto300 by Dec. 31, 2026, be an Ally Auto customer selected to participate and notified via email directly from Ally Bank, put any amount of money in the account within 30 days, and set up qualifying direct deposits totaling at least $1,000 a”The bank’s page, checked Nov 8, 2026
Against the market
How it ranks
#29of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Automatic savings
- Bill pay
- Budgeting tools
- Card lock
- Cash deposit retail
- Check writing
- Debit card
- Early direct deposit
- Free checks
- Free external transfers
- Interest bearing
- Mobile check deposit
- No minimum balance
- No overdraft fees
- Overdraft protection transfer
- Savings buckets
- Savings round ups
- Support 24/7
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- Noneally.com, checked Nov 8, 2026
- Minimum to open
- Noneally.com, checked Nov 8, 2026
- Overdraft fee
- Noneally.com, checked Nov 8, 2026
- ATM network
- 75,000+ Allpoint® and MoneyPass® ATMs in the U.S.ally.com, checked Nov 8, 2026
- ATMs in the network
- 75,000ally.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Noneally.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $10 a monthally.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1%ally.com, checked Nov 8, 2026
- Incoming domestic wire
- Noneally.com, checked Nov 8, 2026
- Outgoing domestic wire
- $20ally.com, checked Nov 8, 2026
- Incoming international wire
- Noneally.com, checked Nov 8, 2026
- Cashier’s check
- Noneally.com, checked Nov 8, 2026
- Stop payment
- $15ally.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money