Ally Mobile

Ally Mobile is the official banking app from Ally Financial, a completely online bank with no physical branches. The app lets customers handle all their banking needs from anywhere, offering checking, savings, investment and loan management in one digital space. Users can deposit checks by taking photos, transfer money between accounts and even send cash to friends through Zelle. Ally's app stands out with its clean interface and 24/7 customer service access right from your phone. The bank was originally founded as GMAC (General Motors Acceptance Corporation) in 1919 but rebranded to Ally in 2010, focusing on digital-first banking.

• Savings buckets: Ally lets you organize your savings into different categories or "buckets" within a single account. This feature helps you visualize and track progress toward multiple savings goals without opening separate accounts.
• Zelle integration: The app seamlessly incorporates Zelle for quick person-to-person payments. Users can send money to almost anyone with a U.S. bank account using just their email address or phone number.
• Smart savings tools: Ally includes automated tools like "Surprise Savings" that analyze your spending patterns and automatically transfer small amounts to savings. The app also offers round-up features that put spare change from transactions into your savings.
• CDs and investment options: Beyond basic banking, the app provides access to Ally's competitive certificate of deposit rates and investment portfolios. Users can open new CDs, check maturity dates and manage their investment accounts all from the same interface.

1. 1Open the Google Play listing below on Android, or use the App Store button on iOS. The app is free to download and requires about 100MB of storage space on your device.
2. 2Open the app and select "Sign Up" if you're new to Ally or "Log In" if you already have an account. New users will need to provide personal information including your Social Security number, address and contact details to complete the account setup process.
3. 3Once logged in, explore the bottom navigation menu to access different sections like accounts, transfers, bill pay and more. Take time to set up your profile preferences, notification settings and security features to customize your banking experience.

I've been using Ally Mobile for over two years now, and it continues to impress me with its clean design and practical features. The savings buckets have personally helped me organize funds for different goals without the hassle of multiple accounts. While the lack of physical branches can be limiting if you need to deposit cash, the 24/7 customer service partially makes up for this limitation. The app occasionally has slow loading times after updates, but these issues typically resolve quickly. For anyone looking to switch to online banking, Ally offers one of the more polished mobile experiences in the digital banking space.