Ally Bank fees

What the Spending Account fee table prints

Opened 21 October 2026. Ally's Spending Account page prints $0 for the monthly maintenance fee, overdraft items, a low daily balance, standard checks, debit cards, deposit slips, prepaid envelopes, and standard or expedited transfers. The same table prints $15 for expedited debit card delivery, $20 for an outgoing domestic wire, $15 for a stop payment, $14.95 for overnight bill pay, and $9.95 for same-day bill pay. International transactions are up to 1%.

A transfer and a bill payment are different lines. The $0 on standard or expedited transfers is not the overnight or same-day bill pay dollar. Ally's transfer help says an incoming wire has no Ally fee. An outgoing domestic wire is $20, and Ally refunds that $20 within two business days if you are wiring from Ally Bank to Ally Invest.

The phone on Ally's account information page is 1-877-247-2559. Use the number on your statement if it disagrees.

The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.

ATMs

Ally's ATM help page says Ally does not charge its own fee at any ATM in the United States. Allpoint and MoneyPass ATMs are free. For other US ATMs, Ally reimburses up to $10 of the ATM owner's fee per statement cycle. An international ATM is up to 1% plus the operator's fee, and Ally does not reimburse that operator fee.

CoverDraft and the transfer service

Ally's overdraft page and overdraft protection help say Ally does not charge an overdraft fee. Ally says it eliminated that fee in June 2021. CoverDraft can cover a purchase up to $100, or up to $250 with qualifying direct deposits, and Ally does not charge for it. You generally qualify 30 days after depositing $100 in total. The higher $250 limit needs a qualifying direct deposit of at least $250 for two months in a row, and at least one direct deposit every 45 days. You have 14 days to bring the balance positive.

CoverDraft does not cover Zelle, ATM withdrawals, immediate internal transfers, or wires. Those are declined if they are more than the balance. The Overdraft Transfer Service moves money from a linked Ally savings or money market account in increments of $100. Each transfer counts toward the 10 savings withdrawals allowed in a statement cycle. If both services are on, Ally tries the transfer first.

Questions

Does Ally charge a monthly fee or an overdraft fee?

On 21 October 2026 the Spending Account fee table printed $0 for the monthly maintenance fee and $0 for overdraft items. Ally's overdraft page says it does not charge an overdraft fee.

What does Ally charge for a wire?

The fee table prints $20 for an outgoing domestic wire. Ally says an incoming wire has no Ally fee. The $20 is refunded within two business days when you wire from Ally Bank to Ally Invest.

Does Ally refund ATM fees?

Ally does not charge its own fee at a US ATM. It reimburses up to $10 per statement cycle of fees charged by other US ATM owners. Allpoint and MoneyPass have no fee to reimburse. International ATM operator fees are not reimbursed.

Sources

• Ally: Spending Account
• Ally: ATMs and withdrawals
• Ally: overdraft
• Ally: overdraft protection

Related guides

• Download an Ally statement
• US overdraft fees by bank
• Schwab Bank fees
• US bank fees on a statement
• How to ask your bank to refund a fee