Ally BankChecking accountChecked Oct 10, 2026Updated
Ally Spending Account
- A year for an everyday customer
- $2 fees and interest, $2,000 kept
- Monthly fee
- No monthly fee
- To open
- No minimum to open
- On our list
- #29 of 986 checking accounts, by a year’s value for an everyday customer
Rates by balance
| Balance | APY |
|---|---|
| $0 to $14,999.99 | 0.10% |
| $15,000 and up | 0.25% |
Source: the bank’s rates · as of Oct 10, 2026
Bonuses
$300Account bonus
Open a new Ally Bank Spending Account using promo code SPENDING50X6, add money within 30 days of opening, and receive Qualifying Direct Deposits of at least $1,000 a month for 6 consecutive months while keeping the account open and in Good Standing.
$200Account bonus
Open a new Ally Bank Spending Account using promo code SPEND200, add money within 30 days of opening, and receive Qualifying Direct Deposits of at least $1,000 a month for two consecutive months.
$150Account bonus
Open a new Ally Bank Spending Account using promo code SPEND150, add money to the account, and receive Qualifying Direct Deposits of at least $1,000 per month for two consecutive months, with the first monthly deposit paid within 60 days of opening; only Ally Bank Savings Account customers selected
Fees
- Monthly fee
- NoneSource · checked Oct 10, 2026
- Minimum to open
- NoneSource · checked Oct 10, 2026
- Overdraft fee
- NoneSource · checked Oct 10, 2026
- ATM network
- 75,000+ no-fee ATMs nationwideSource · checked Oct 10, 2026
- ATMs in the network
- 75,000Source · checked Oct 10, 2026
- ATM fees refunded, up to
- $10 a monthSource · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 1%Source · checked Oct 10, 2026
- Outgoing domestic wire
- $20Source · checked Oct 10, 2026
- Cashier’s check
- NoneSource · checked Oct 10, 2026
Features
ATM fee rebatesAutomatic savingsBill payBudgeting toolsCard lockCash deposit retailCheck writingDebit cardEarly direct depositFree external transfersInterest bearingMobile check depositNo minimum balanceNo overdraft feesOnline openingOverdraft protection transferSavings bucketsSavings round upsSpending alertsSupport 24/7Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money