Feeling a little overwhelmed by the idea of getting an Ally Bank card? Don't be! Whether you're looking for a debit card for everyday spending or exploring credit card options, this guide will walk you through every step of the process. Ally Bank is a popular online-only bank known for its competitive rates and user-friendly experience. Let's get you set up for financial success!
How to Get an Ally Bank Card: Your Comprehensive Guide
Getting an Ally Bank card primarily involves two distinct paths: obtaining a debit card linked to an Ally Bank checking or savings account, or applying for an Ally Bank credit card. The process for each differs significantly, so we'll cover both in detail.
Part 1: Getting an Ally Bank Debit Card (Linked to a Checking or Savings Account)
An Ally Bank debit card comes with their Spending Account (checking) or can be linked to your Online Savings or Money Market account for ATM access. This is generally a straightforward process once you have an Ally Bank account.
Step 1: Are You Ready to Bank with Ally?
Before you even think about a card, let's confirm if Ally Bank is the right fit for you.
What are your banking needs? Do you prioritize high-yield savings, fee-free checking, or robust online tools? Ally offers all of these.
Are you comfortable with online banking? As an online-only bank, Ally's services are primarily accessed through their website and mobile app. If you prefer in-person branch visits, Ally might not be for you.
Do you meet the basic eligibility criteria? To open an account with Ally Bank, you must be:
A U.S. citizen or legal permanent resident.
At least 18 years old.
Have a Social Security number or Taxpayer Identification Number (TIN).
Possess a U.S. street address.
Step 2: Opening Your Ally Bank Account
This is the foundational step for getting an Ally debit card. You can't have the card without an account!
2.1 Choose Your Account Type
Ally Bank offers several account types, and your choice will influence how you use your debit card.
Ally Spending Account (Checking): This is your everyday checking account. It comes with a debit card by default and offers features like online bill pay, Zelle®, and no monthly maintenance fees. This is the most common account type to get a debit card with.
Ally Online Savings Account: Known for competitive interest rates, this account is primarily for saving. While you can request a debit card for ATM access to your savings, it's generally not recommended for daily spending as it's designed for growth.
Ally Money Market Account: This offers a blend of savings and checking features, often with a slightly higher interest rate than a traditional savings account and limited check-writing capabilities. A debit card can also be linked to this.
2.2 Gather Your Information
You'll need a few pieces of personal information to complete the online application:
Full legal name
Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
Date of birth
Residential street address (and previous address if you've lived at your current one less than five years)
Occupation and employer information
Contact information (email and phone number)
Mother's maiden name (for security purposes)
Information for your initial deposit (e.g., routing and account number from another bank)
2.3 Complete the Online Application
Visit the Ally Bank Website: Navigate to Ally.com and click on "Open Account" or find the "Checking & Savings" section.
Select Your Account: Choose the type of account you wish to open (e.g., Spending Account).
Fill Out the Form: Follow the prompts to enter all your personal and financial details. The application is designed to be quick and user-friendly, often taking just about five minutes.
Review and Submit: Carefully review all the information you've provided before submitting your application.
Initial Deposit (Optional but Recommended): While Ally Bank has a $0 minimum deposit to open an account, funding it quickly allows you to start using its features. You can link an external bank account, use Ally eCheck Deposit℠, or mail a check.
Step 3: Receiving Your Ally Bank Debit Card
Once your account application is approved and your account is funded (or being funded), your debit card will be on its way.
Card Issuance: Ally Bank will automatically issue a debit card for your Spending Account. For other accounts like Savings or Money Market, you might need to specifically request a debit card if it's not automatically included. You can usually do this during the account opening process or by contacting customer service after your account is open.
Mail Delivery: Your new debit card will be mailed to your residential address. This typically takes 7-10 business days. Keep an eye out for a plain envelope from Ally Bank.
PIN Selection: Your Personal Identification Number (PIN) for your debit card will likely arrive in a separate mailing for security reasons, or you might be prompted to set it up online or via phone.
Activation: Once you receive your card, you'll need to activate it before use. Instructions for activation will be included with the card. This usually involves a quick phone call to an automated service or activating it through your Ally online banking portal or mobile app.
Setting Up Your Online/Mobile Banking: If you haven't already, make sure you set up your online banking username and password. This will allow you to manage your card, track transactions, and utilize all of Ally's digital tools.
Part 2: Getting an Ally Bank Credit Card
Unlike their debit cards, Ally Bank credit cards are currently invitation-only. This means you cannot simply apply for one without receiving a pre-screened offer.
Step 1: Understand the Invitation-Only Policy
This is the most crucial step for credit cards.
No Open Applications: As of now, Ally Bank credit cards are not open to the general public for application. You won't find an "Apply Now" button for credit cards on their main website unless you've received an offer.
How Offers are Sent: Ally Bank sends invitations or pre-screened offers via direct mail or online. These offers are sent to both current Ally Bank customers and non-customers.
Specific Card Offers: If you receive an invitation, it will be for a specific Ally credit card (e.g., Ally Platinum Mastercard, Ally Unlimited Cash Back Mastercard, or Ally Everyday Cash Back Mastercard). You cannot choose a different Ally card unless you receive a separate offer for it.
Step 2: Receiving and Responding to an Invitation
If you're lucky enough to receive an Ally credit card offer, here's what to do.
2.1 Look for Your Invitation
Check Your Mail: Regularly check your physical mailbox for mailers from Ally Bank.
Monitor Online Communications: If you're an existing Ally customer, keep an eye on your secure messages within your online banking portal or emails from Ally.
2.2 Review the Offer Details
When you receive an invitation, read it carefully.
Card Type: Understand which specific Ally credit card you're being offered and its features (rewards, APR, annual fee, etc.).
Terms and Conditions: Pay close attention to the interest rates, fees (especially any potential annual fees for the Ally Everyday Cash Back Mastercard), and any introductory offers.
Access Code/Reservation Number: The invitation will contain a unique access code or reservation number. This is essential for applying.
2.3 Apply Using Your Access Code
Visit the Designated Application Link: The invitation will direct you to a specific web address (often something like cardapply.ally.com) where you can respond to the offer.
Enter Your Information: You'll be prompted to enter your access code/reservation number and some personal details to confirm your identity.
Complete the Application: Fill out the rest of the application, which will include financial information like your income and employment details.
Submit and Await Decision: Ally Bank often provides an instant decision within 60 seconds of submitting your application.
Step 3: What Happens After Application (Credit Card)
Approval: If approved, you'll receive a confirmation. Your credit card will then be mailed to your address, typically within 7-10 business days.
Activation: Once you receive your credit card, you'll need to activate it using the instructions provided (usually online or via phone).
Denial: If your application is denied, Ally Bank is required to send you an Adverse Action Notice explaining the reasons for the denial. This can happen even with a pre-screened offer if your financial situation or credit profile has changed since the offer was extended.
Important Considerations for Both Card Types
Security: Ally Bank uses robust security measures, but always be vigilant.
Never share your PIN or online banking password.
Regularly monitor your account for suspicious activity.
Utilize Ally's "Lock It" tool (available for credit cards) if you misplace your card.
Customer Service: Ally Bank offers 24/7 customer support. If you have any questions or encounter issues, don't hesitate to reach out.
Bank/Debit Card Inquiries: 1-877-247-2559
Credit Card Inquiries: 1-888-366-2559
Online and Mobile Banking: Make the most of Ally's digital tools. Their mobile app allows you to manage your accounts, deposit checks (eCheck Deposit℠), pay bills, and set up alerts.
Frequently Asked Questions (FAQs)
How to get an Ally Bank debit card if I already have an account?
If you have an Ally Spending Account, your debit card is typically sent automatically. If you need a debit card for an Online Savings or Money Market account, or if you haven't received your debit card, you can request one by logging into your Ally online banking portal or by calling Ally Bank customer service at 1-877-247-2559.
How to apply for an Ally Bank credit card?
Currently, Ally Bank credit cards are by invitation only. You must receive a pre-screened offer by mail or online to apply. There is no public application portal for their credit cards at this time.
How to activate my new Ally Bank card?
Instructions for activation will be included with your card when it arrives. This usually involves calling an automated activation line or activating it through your Ally online banking account or mobile app.
How to set a PIN for my Ally Bank debit card?
Your PIN for your debit card may arrive in a separate mailing from your card for security. Alternatively, you might be prompted to set it up online or over the phone during the activation process.
How to check the status of my Ally Bank card application?
For debit cards linked to new accounts, you'll usually receive an email once your account is approved. For credit card applications submitted via an offer code, you often get an instant decision. If you need to check on a mailed card, contact Ally Bank customer service.
How to find an ATM that accepts my Ally Bank debit card?
Ally Bank is part of the Allpoint ATM network, which offers over 55,000 fee-free ATMs nationwide. You can use the Ally Bank ATM locator tool on their website or mobile app to find a surcharge-free ATM near you.
How to report a lost or stolen Ally Bank card?
Immediately contact Ally Bank to report a lost or stolen debit or credit card. For debit cards, call 1-877-247-2559. For credit cards, call 1-888-366-2559. They are available 24/7 to help secure your account and issue a new card.
How to deposit cash into my Ally Bank account?
Since Ally is an online bank, you cannot deposit cash directly at a branch. You can deposit cash by purchasing a money order and depositing it via Ally eCheck Deposit℠, or by depositing cash at a partner ATM (check the ATM's features) and then transferring funds to your Ally account.
How to contact Ally Bank customer service for card issues?
For general banking and debit card issues, call 1-877-247-2559. For credit card specific questions, call 1-888-366-2559. You can also log into your online account to send a secure message or use their chat feature.
How to get a higher credit limit on my Ally Bank credit card?
For some Ally credit cards like the Platinum Mastercard, Ally automatically reviews accounts periodically for opportunities to increase your credit line based on responsible usage. For other cards, consistent on-time payments and a good payment history are key factors in qualifying for a credit limit increase.
