Ally Bank savingsThe average savings account rate in the U.S. is currently around 0.17 percent APY. Ally Bank’s online savings account offers a significantly higher 0.99 percent APY along with no monthly maintenance fee and no minimum-deposit requirement, making the savings account one of its top features. The account is also highly accessible — customers can deposit checks using Ally’s eCheck deposit and schedule transfers between both Ally and non-Ally accounts.Ally Bank CDsTaking into account all term lengths, the average national CD rate is just 0.51 percent APY. At 1.05 percent APY, the 12-month CD at Ally not only boasts an impressive rate, it beats out many of its competitors, thanks to its no minimum-deposit requirement.Ally Bank money market o know during the crisis, Ally worked to eliminate fees, pay fair rates on deposits, and create a better overall experience for account holders.Ally Bank customer servicePart of that new and better banking experience includes 24/7 customer service. Both online chat and the call center are available at all hours, including holidays, with actual bank employees on the other line. At any given time, you can find the call-in wait time proudly displayed on Ally’s homepage.Ally Bank securityUnfortunately, online-only banks suffer from a stigma of perceived security risk. That security risk is just that though: perceived. Online banks implement strict measures to keep financial data out of the hands of strangers and are FDIC-insured, offering your funds the same level of protection as any traditional bank. As it is, any bank worth banking with has some kind of online access. Your assets are no more vulnerable online than they are at any major brick and mortar. These days, every bank is an online bank. Even if you choose not to take advantage of online features, your bank no doubts conducts its own transactions across the internet.LimitationsOne of the caveats at Ally is the lack of physical branches. While checks can be deposited using Ally eCheck Deposit (up to $50,000 per day or $250,000 every 30 days), cash deposits are not accepted. Ally is also limited in its product offerings, with fewer services compared to major brick-and-mortar banks — no brokerage, no mortgage

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