The Ally Checking Debit Mastercard comes with opening a checking account. It’s a card that entitles the cardholder to cashback as well as many online features. The card can be used anywhere, making it a card that can be taken around the globe.
The Benefits of an Ally Checking Account
There are many benefits of an Ally checking account. Unlike other checking accounts out there, this one provides an interest rate like a savings account. This means you earn interest each and every month, just for keeping your money in the right bank. You also get checks and a debit card to be able to access your account.
Online account management provides you with the ability to manage your money effectively. You will create a username and password to give you access to your account any time of the day or night. You can check on your account balance, view past transactions and even look up your statement. The statement can be printed or downloaded to your compute for added convenience.
Bill pay is easier through the online account tool. You can schedule all of your bills to be paid online. This saves you the time of writing a check and the cost of a postage stamp. Your bills will be paid on time every month. You can schedule payments for a one-time payment or as a recurring payment each month.
Ways to Access Money
Accessing your money with the Ally account is done in many ways. There are no branches to visit, but it doesn’t matter. With the debit card in hand and the ability to log in online, you always have access to the funds in your checking account.
- Cash back
- Mastercard Card
- Online transfers
When you need cash, you can visit any ATM machine around the world. A PIN number will be assigned to you. Once you enter the PIN, you can pull out as much cash as you desire, as long as the funds are available.
Many merchants give you the option of getting cash back after a purchase. You can choose to get cashback each and every time you make a purchase. This provides you with cash in your pocket without paying ATM transaction fees.
The debit card features a Mastercard logo. Mastercard is one of the most widely accepted credit cards in the world. You can use the card at grocery stores, gas stations, and other merchants locally. You can also make purchases online and over the phone to purchase everything that you want.
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Snapshot of Card Features
- No minimum deposit to open
- No monthly maintenance fees
- Earn money back with Ally Perks when you shop
- Free balance alerts
- Free Online Banking, Bill Pay, and Popmoney
- Free checks and unlimited check writing
- No ATM fees at any ATM nationwide
- Make deposits from home with Ally eCheck Deposit
- See the Review of Ally Checking Debit Mastercard
Online transfers ensure you always have money in your account. You can schedule money to be transferred in or out of your Ally account to or from other bank accounts that you have. You can request money from friends and family or send payments to them.
Additional Features of the Debit Card
The Ally Checking debit Mastercard is different than other cards. It is packed with features beyond just being able to manage the account online and many ways to access cash. You can also enjoy benefits such as:
- Cash back
- Customer service
You can earn cashback on your purchases. Through Ally Perks, you can get cashback on many of your day to day purchases. Details are available on the website to tell you what locations participate and how much of a percentage you can earn in cashback. This makes regular purchases more affordable throughout the year.
If you link an Ally savings or money market account to your checking account, you can ensure you never get denied for a transaction. When you make a purchase on your checking account and the funds aren’t there, the bank will tap into another account for you. This can save you embarrassment in a store as well as a number of overdraft fees and return check fees.
When you have questions about your account, customer service operates 24/7. You can contact with someone online, over the phone and by email to know more about your account.
The Ally Checking Mastercard is easy for anyone to apply for. There’s no minimum deposit to open an account. Once the checking account is open, a debit card is provided, giving everyone the various features of the card. With online account management and other perks, it’s a good card to have.