How Do I Send a Check to Someone Online Using Ally Bank?

While it may not be possible to send a check to someone else online using Ally Bank, you can deposit one virtually, with the help of this guide. The information contained herein covers vital elements that every Ally Bank account holder should know regarding the bank's eCheck deposit service. It details how it works, key factors to look out for when making a deposit, and most importantly, a step-by-step guide on how to make eCheck deposits.

Founded in 2009, Ally Bank is a full-service online bank headquartered in Sandy, Utah. It's the sole digital banking solution under the management of Ally Financial Inc, which began offering financial services in 1919 as part of the General Motors Acceptance Corporation. The bank offers a complete spectrum of online banking solutions that incorporates savings, checking, money market, and certificate deposit accounts as well as mortgage, auto and personal loan, investment, and retirement services.

All the above-named solutions can be suitable for individuals who can comfortably transact through computers and mobile devices. Ally is also an ideal banking service for persons who need a savings account with no minimum balance threshold, checking accounts that lack maintenance obligations, and those who need more from their certificate deposit accounts without following a minimum deposit policy.

That aside, the bank has an e-check deposit service, which consumers can use to directly deposit checks into their accounts. You should note that with Ally Bank, it's not possible to send a check to someone else online. However, the e-check deposit service provides customers with a convenient way to inject funds into their money market, interest checking, or online savings account.

If you bank with Ally, you can either send your e-check deposit online or via the Ally Mobile application following the steps outlined below;

  • If you're using the mobile application, you'll take a photo of the endorsed check you want to deposit while on the application.
  • If you're depositing using a computer, you may need to find an image scanner, which you'll use to scan and upload the endorsed check.

Specifically, phone users can follow the process detailed below;

  • Log in.
  • Choose the account you want to deposit into.
  • Select "Deposit Checks".
  • Capture a photo of both sides of your endorsed check.
  • Provide the check's amount.
  • Submit your deposit. Don't forget to indicate "For mobile deposit only" below the signatures.

For online deposits, the process is as follows;

  • Log in to your account by visiting ally.com.
  • Choose the "Deposits" option.
  • Select "Make a deposit".
  • Upload scanned front and back images of the check-in question.
  • Enter the check amount.
  • Submit your deposit request.

Once you're done, the first 300 dollars of the amount you deposited may appear on the next day of business. The remaining up to 25,000 dollars may be available after two business days. If your deposit surpassed the 25,000-dollar mark, the balance may appear after five business days. The e-check deposit process works on both Android and iOS mobile devices and customers can also use the bank's website at ally.com.

Sometimes the bank may put a hold on your funds. This could be possible under the following circumstances;

  • Strong evidence that suggests the check may be returned.
  • Your check is for more than 25,000 dollars.
  • The check could have been deposited and returned unpaid.
  • Your account has been overdrawn several times in the last six months.

With that in mind, you should have an understanding of the specific requirements for the e-check deposit process. They include your check being;

  • Dated within a time frame of 180 days.
  • Directly payable to you.
  • From a US bank, with the deposit value appearing in US dollars.
  • Endorsed at the hind side with "For Deposit Only", with the signatures of all the payees present.

To view your Ally e-check deposit activity online;

  • Visit ally.com.
  • Click on the "Deposits" icon.
  • Go to the "Activity" section.

To have a glimpse of your deposit activity via the mobile application;

  • Open the application.
  • Select your account.
  • Click on "View Scheduled Activity". This gives you the chance to view in-progress as well as scheduled activities.
  • Select "History" then "Deposits" to have a look at your deposit history within the last 120 days.

Alternatively

You can call Ally Bank's customer care representatives to obtain more information on how e-check deposits work. Also, they can help you find a solution if indeed you need to send a check to someone else online using Ally Bank.

Why Did GetHuman Write "How Do I Send a Check to Someone Online Using Ally Bank?"?

After thousands of Ally Bank customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Send a Check to Someone Online Using Ally Bank? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Ally Bank if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Ally Bank Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Ally Bank in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Send a Check to Someone Online Using Ally Bank? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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