Ally Bank Introduces eCheck Deposit, a Convenient Way to Bank

We’re excited to announce that we have begun the roll out of Ally eCheck Deposit! We will be rolling this out to our customers in phases throughout 2011.

eCheck Deposit is a new, more convenient way to deposit checks into your Ally Bank account anywhere you have access to a scanner, whether you’re at home or traveling. Most importantly, it’s safe and secure–two things that are important to both Ally Bank and our customers.

All you need is a computer with an Internet connection and a scanner. Then, simply scan and submit your check images electronically. We’ll send you an e-mail when we receive and process your check image. If there’s ever a problem with your deposit, we’ll let you know so you can fix it and resend.

We’ll be rolling this out in phases over the next several months to collect feedback along the way and help give you the best experience. We’ll send an e-mail notification to customers letting them know when they will have access.

If you have any questions about how to use eCheck Deposit, be sure to leave us a comment below or contact us on Facebook or Twitter.

Will eCheck Deposit make deposits easier for you?

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  1. 1
    Jeremy Williams

    Awesome – any work on developing a mobile app that would allow us to manage our accounts and maybe do an eCheck Deposit via our smartphone like Chase?

  2. 2

    I agree that it is key to have verything in one place, i.e. through a mobile app. Or at least hopefully a good picture counts as a scan because I know a lot of folks find scanners cumbersome or may not have one.

  3. 4

    I am concerned about the safety in this process. I expect images will be submitted by a https site but that is an obvious place to have security.

    What about the scanner or computer? Some of the more advanced scanners keep the image on an internal drive, many other scanners will place the image on the computer’s hard drive. If this computer is public (like a hotel’s business center), someone could get the image easily.

    This is outside of Ally’s control and I believe that Ally is doing all they can to keep the process secure, but the person putting the check in needs to be conscience of what they are doing.

  4. 5

    I’m excited, as I’ve been waiting for this feature since I signed up with Ally. My only questions would be “How soon until it rolls out?” and “How do I know when it’s added to my account?”

    • 6

      We’re happy to hear that you’re as excited as we are, guys. And we’d like to assure you all that eCheck Deposit is safe and secure–two things that are important to both Ally Bank and our customers. We’ve spent a lot of time testing the service with our employees to make sure the process is sound. Thanks for your comments and we hope to hear how your experience with eCheck Deposit turns out!

  5. 7

    I’m really looking forward to this as it’s the one reason why i have kept a local bank account (to deposit checks)! Now we really need a mobile app like chase or USAA which allows us to make check deposits and manage our accounts.

  6. 9

    Really excited about this feature – but don’t have a scanner. What is the file type needed to submit a check?

    Also want to reiterate previous posts – hope you guys are working on a mobile app. Then I’d be completely yours!

    • 10

      Thanks for that, Jen! Also, please know that this is just the first step in rolling out a mobile solution for our customers. The file format would need to be in a JPEG. Also, if you are having any problems uploading your check images, feel free to give us a call at 1-877-247-2559.

  7. 11

    This will be a great enhancement for an online bank. I use e-deposit extensively with another institution. Between e-deposit and ACH transactions, I haven’t entered a bank branch in over a year.

    I look forward to seeing the Ally solution!

    • 13

      Thanks for the comments, guys. And in terms of the excitement and encouragement, many thanks there too. It’s a new process for us, but we’re hoping that, alongside our customers, we’ll be able to make eCheck Deposit a great Ally Bank feature.

  8. 14

    I used the e-deposit system today and it went OK. The process is sort of cumbersome without Ally’s built in utility; the instructions are clear and easy to follow, however. This is definitely a step in the right direction. Hopefully this means that edeposit via picture is around the corner… but at least now I can make a deposit without funneling it through my local bank or mailing the check snail mail.

    • 16

      Our customer care folk are handling the queue for eCheck Deposit, Jonathan, but you can give a nudge their way by putting your name in manually. Just give them a ring at 1-877-247-2559 and tell them you’re interested in being added to the roll out!

  9. 17

    Any expected release date or month, Ally? Any estimate? Please, Ally! I still keep most of my funds with Chase because of their mobile banking app and ease of check depositing. It’s not “free” like they say but Ill make Ally my one and only bank when these features come out!

    • 18

      We’re taking a phased approach throughout the year, Jesse. Of course, you understand that it’s going to have to be as sound of a program as possible before we can release it, so we’re waiting to see how our customers react to it. We’ll keep you updated!

    • 21

      We suggest holding onto the check for 60 days after it clears, Barb. This is for your own safety in case there’s a dispute. Thanks for the comment!

  10. 22

    i’m one of the lucky ones who is eligible to use this, and i’ll be testing it out on my next pay-date (which is next friday). i do have a question though…i noticed that it says if the check is deposited by 4pm, funds will be available the next business day. this means that my paycheck deposited friday won’t be available til monday, correct?

    my question is this: my boss gives us our checks thursday, but the check is dated for friday (and he asks us not to cash it til friday). can i use echeck deposit to scan and deposit the check on thursday so that the funds are available friday instead of monday?

    • 23

      Congrats on being one of the lucky first ones to use eCheck Deposit, Matt! We’re definitely are excited about the service, and can’t wait to hear what you think of it!

      As for the timing on depositing checks, you are correct in that if you deposit a check after 4pm ET on Friday it won’t be processed until the next business day, Monday. Also, if you submit a check with an inaccurate date it would be rejected. For fund availability, take a look in our Deposit Agreement . Feel free to give us a call 24/7, at 1-877-247-2559, with any other questions!

  11. 24

    This feature is a nice addition. But, the processing time and funds availability would need to be improved before I would use on a regular basis. I can deposit a check today via a Bank of America ATM and receive immediate availability of the first $100 and full availability the next business day. I also don’t have to keep the scanned check for 60 days.

  12. 25

    Been waiting for this feature since I opened my account in January. Seems slightly cumbersome but it’s a start. Now you just need a mobile app, with this feature.

  13. 27

    I used it, it’s not bad. THough the processis is a bit lengthly. IMO I should get the first $100 right away, then the rest the next business day. Instead of waiting an extra business day to get the first $100 like now, in fact waiting 2 business days before getting the first $100 if its past 1pm (my local time-Pacific Time).

  14. 28

    Glad to see this finally being rolled out. Just called customer support and I hope that expedites the process of being selected.

    As with everyone else, I’m looking forward to a mobile app (which I can only assume is the next step after this trial). Still, it’s nice to see some progress in the general technology after over a year of requests for mobile applications.

    Cheers, Ally.

    • 29

      Glad to hear that, Jeremy! And we’re excited to move forward here on the tech front, too. eCheck Deposit is just the first step in making banking with Ally even more convenient!

    • 31

      Absolutely, Brian! Call our customer care reps at 1-877-247-2559 and let them know you’d like to be added to one of the next phases. They’ll put your name in there and give you all of the details. Let us know how it goes!

  15. 32

    just deposited my paycheck plus a rebate check that i got from pep boys…i guess now i have to wait til monday to see if this thing actually works.

    btw, it would be nice to have a list of “pending deposits” or something like that in the account. i have my printed copies of my receipts, but it would be nice to see them in the online account so i know they went through…just a suggestion.

  16. 34

    I can’t WAIT to try eDeposit. I’ve been requesting a mobile app for over a year now on the other message board, even offering my services as a beta tester. I called customer service and requested to be added to the que for the next roll out.


    So, any idea when the next roll out will be?

    • 35

      We’re still just rolling out the first batch, so we’re seeing how this goes before we add more customers, Chris! Be sure to let us know if you get into that next rollout!

  17. 36

    Looking forward to trying this out when it rolls my way. But really looking forward to an Ally app soon. That would make my banking life much easier.

    • 37

      Give us a call at 1-877-247-2559, Jeff, and our customer care reps will be happy to provide you some more details on being added to the next roll out! Also, we’re working hard on a mobile solution now.

  18. 39

    just wanted to add to my comment from earlier about depositing my paycheck and pep boys check last week: this thing is FAST!

    i had a few issues initially because i didn’t put enough space around the check for it to recognize the routing number, but once i re-scanned and did that, the money actually posted to my account saturday morning (i deposited the checks around 3:30pm last friday). funds weren’t available til the next business day, monday, as it states in the deposit agreement – but i was definitely VERY impressed that they were posted and earning interest less than 9 hours later…

    i know this is the first rollout and you’re still working out bugs and improving, but i’m very impressed thus-far. now, if you could just hurry up with that mobile app and include the ability to e-deposit from that too…that would be awesome!

    • 40

      Awesome, Matt. We’re very happy to hear that you’re impressed with the service. We’ve heard some really great things from our customers so far, so very excited to see some improvements on (what we think is!) an already great service. Keep us updated and don’t forget to let us know in the accompanying survey too!

  19. 41

    This is awesome! Deposits were the one thing my wife was concerned about in switching to Ally. We even talked about keeping a local account for this purpose so we could access funds immediately. Way to go Ally. Keep the innovations coming!

  20. 45

    Very excited about this prospect. I’ve been trying to find a decent bank that has this service. I’m a landlord, so I often handle quite a few checks, and they burn a hole in my wallet until I have a chance to visit a branch. I have some funds in an Ally interest checking account, but if I get invited to use this service, I think Ally would become my primary bank!

    • 46

      Give our customer care reps a call at 1-877-247-2559 and add your name to the list, Greg. It should expedite the process to get you into the next round of the phased roll out. We’d love to be your primary bank!

  21. 47

    This is a great addition. Pretty much the only thing that I keep a local Chase checking account for is making deposits of checks, so really looking forward to this and finally ditching Chase. The only thing that would make this better is an iOS app that lets you take pictures of the check for deposit!

  22. 49

    great news. I was just about to open an account at a different bank purely for their scanned check feature. looks like I’ll be staying with Ally. But please do get the mobile apps out there too (Android, iphone, etc).

    • 50

      We’re happy to hear it, Bucky! If you’d like to expedite the process of jumping in on the phased rollouts, just give our customer care team a call and they’ll talk you through the details. 1-877-247-2559. Also, noted on the mobile front! We’re working hard on it.

    • 56

      We’re in our first roll out right now, guys. If you’d like to be added to the next, just give us a call at 1-877-247-2559 and a customer care rep can talk you through the details. Glad that you’re looking forward to it!
      Also, there will be NO FEE attached to eCheck Deposit, so no worries there.

  23. 57
    John Findlay

    Let me know when echeck deposit will be available to me. It might encourage me to open an account. Let me know if there are any particulars you need to know first before I could be come eligible.

    • 58

      We’ll be sure to announce when eCheck has fully rolled out to all of our customers here. Unfortunately, we can’t give access to anybody that doesn’t currently have an account. If you’d like to sign up with Ally, let us know so we can add your name to the list for the next available roll out. Thanks for the comment, John, and hope to see you as an Ally customer soon!

  24. 59
    Jan Wren

    Great! But, we are wondering what we should, for safety’s sake, then do with the original check once we have scanned it. Save it? Shred it?

  25. 60

    Don’t u think it will be easier to have a mobile phone app
    Just like that of chase bank, where u can take a picture of the
    Check & send it directly to ally bank instead of trying to find a computer with Internet connection & a scanner

  26. 62
    Bill S.

    This service will be great for me. I am disabled and even mailing a deposit in the postage paid envelopes is a hassle, as I still have to get to a mail box I’m in a rural area just getting to my own house box can be a struggle. I had been using my ALLY checking account sparingly, but I have just set up Direct Deposit of my Social Security payment to goto Ally. When eDeposit comes to me, Ally will be my ONLY bank.

    • 63

      It warms our hearts to hear that we can help you in that way, Bill. Please don’t hesitate to give us a ring at 1-877-247-2559 and let our customer care reps know you’re interested in being added to the next roll out of eCheck Deposit.

      In the meantime, thanks for the feedback on eCheck Deposit and we’re really looking forward to making your banking experience with us the best it can be.

  27. 64

    I am waiting to get e deposit so I can close my local account that I keep for deposits. Is there any way to sign up to be included? Also include me on the list WAITING for the mobile app!

    • 66

      If you’re already a customer, Richard, you just have to call our customer care team at 1-877-247-2559 and speak to a representative. Tell them you want in on the next eCheck roll out and they’ll walk you through the details. Be sure to let us know how it goes!

  28. 69

    Called customer care and requested I be added to the next echeck roll out… hoping it’s soon, this is the one feature I have been waiting for since I opened my accounts.

    • 72

      We’ll be sure to update the post, Matthew! In the meantime, if you have an account, you can actually request to be added to the phased roll out (a lot of the above commenters actually have been). Let us know if you have any other questions. We’d love to have you!

  29. 74

    You have been asleep for too long. There are so many banks that offer the service without any hold. That is why I keep just $1 in my account with you.

    • 75

      We appreciate the feedback. We’re rolling out eCheck Deposit to our customers in phases so we can collect feedback to make sure we’re providing the best experience. If you’re interested in being included in the next roll out of eCheck Deposit, you can give us a call (24/7!) at 1-877-247-2559 for more details.

  30. 76

    I’m a new Ally customer and this is one thing I was hoping would be added soon as I am looking to get rid of my other bank and all of its fees.

    Just called in to be added to the queue!

  31. 78

    Just called and added myself to the queue. I read every post on here looking for an actual schedule to the phased rollout and can’t seem to see one. Would love for the tech team to elaborate on that please. I cannot wait to try out this feature, and shut down ALL my other bank accounts finally for once and for all! Please give us some target date expectations :)

    • 79

      We certainly appreciate your excitement, Corky! We can’t give an exact date for the next roll out, but want you to know that we’re rolling out in phases so we collect feedback along the way to make sure that when eCheck Deposit is rolled out to everyone, we’ll be giving the very best experience to our customers.

  32. 80

    Have been using echeck since it was launched in april! I guess I was one of the very first costumers! I have to say I am extremely happy with the service and Ally! Keep the great work. :-)

  33. 81

    We should of have had a mobile App first considering there is no branches to go to. It just makes sense. we need a mobile app. Glad to see its headed that way!

    • 82

      Understandably more talk around mobile this weekend and we’re glad to see you’re excited! We’re making moves there and are just as excited to be able to show you something in the future.

    • 84

      We’re actually still in the midst of our first phased roll out, Mark. Have you called our customer care reps and added your name to the list to be added to the next roll out yet? If you’ve spoken to our Ally Care team about the next roll out, should up your chances of getting it sooner rather than later!

  34. 85

    I noticed in the new Ally Deposit Agreement there is a whole section on eCHECK deposit… it’s killing me not having this feature. I’ve requested to be on the next roll out, but there is no sign of that happening.

    Ally… you’ve been toying with this for 2+ months now, time for some action.

    • 86

      We’re still in that first phase, Tim, and collecting feedback to make sure that the next one is even better. Really appreciate your patience and we hope that we can get the ball rolling on the next soon enough.

    • 88

      We appreciate the feedback, ST, and we’re happy to report that is something that we’ve been working on. Keep an eye out for more news in the future!

  35. 89

    Hello, just wanted to know if it’ll be a few weeks or months till the next roll out for those of us already on the list.

  36. 90

    Hello. I just called customer service to be added to the list for the next rollout phase and I was informed that Ally is no longer taking names to be added to the list! =( =( =(

    Is this true Ally, or was the customer service rep misinformed?

    Hopefully this is a good sign that the process will be available to everyone soon.

    • 91

      We’re looking into this for you, Cory. In the meantime, we’ve got your email here and will have somebody contact you shortly.

  37. 92

    So I made it into the roll out, awesome!

    BUT, a major problem I see is the daily deposit limit is way too low and will limit how well people can actually use this. I hope this isn’t a final figure.

    • 93

      That’s great, Tim! And thanks for the suggestion. That kind of guidance will help us make it even better. Thanks again.

  38. 97

    We all hope mobile app (iphone/andriod) will be rolled out soon to all customers as you do not have local branches. I hope this is more sensible and reasonable on behalf of all ALLY customers.
    I also requsted for e-Check deposit for now which may alleviate the deposit need for now! Hope to see it would be approved soon!

    • 98

      We’re in the same boat as you, Sam, and really appreciate your patience. Hope you are part of our rollout soon as well! Be sure to let us know how it goes when it’s added to your account.

  39. 99
    Alan SD

    I hope this starts soon. My other bank is going to start charging a fee for checking and want to close them and use only Ally!

    So Lets get it going!


    • 100

      We’re rolling it out to current customers right now, Alan! Let us know if you have any other questions too. We’d be happy to answer them.

  40. 102
    Kevin Rutledge

    I just read about the eCheck Deposit. This is a service I need as my paycheck is still, well, a check. I have been an ING customer for years now and am thinking of switching for the ability to write checks against the online checking account as well. I could close my account at a local bank with the echeck deposit. My wife is starting a job soon, and will need to sign up for direct deposit, but ING says they will be rolling something for deposit out soon and I am not going to switch if I can’t get eCheck deposit for ally soon and without knowing what the check/daily limits are. I use PNC and they recently started using the mobile deposit on their iphone app, but there is a 1000/check 3000/day limit. Fortunately my paycheck is higher than that so this is not all that useful. What will Ally’s limits be and when will it be more universally available? I would like to switch before my wife needs to give her employer a direct deposit info.

  41. 103

    I am one of the initial test users and am excited to have this option… it will allow me to do a LOT more business with Ally.

    So far, however I have received erros when scanning bill pay checks received from Chase stating the routing number is not visible (using the automated wizard system) and it is. How can I correct this?

    Thank you!

    • 104

      Glad to hear it, Mark! About the issue, that might actually be a case for our Ally Care team. Could you give us a call at 877-247-2559 and let our customer care reps know? We’ll pass along the info too and see what we can do too.

  42. 105

    right now i am a ING customer and looking to leave. few questions for u.

    1. when u all rolling out mobile app.
    2 is there really no atm charges.
    3 can i transfer $$ to another person acc outside ally

  43. 107

    Really looking forward to eCheck deposits! I hope the rollout happens soon. Also, please, please give us mobile phone apps! Windows Phone 7 please! Keep up the good work.

  44. 109

    Is there any way to get added to the group that is testing this new eCheck Deposit feature? Quite a few friends are looking at my experience with Ally before they decide to join. I will participate in feedback programs, focus groups, or whatever necessary to become part of the test group. Thanks for your time.

    • 110

      Just give us a ring at 877-247-2559, Patrick and let our reps know that you’re interested in the next roll out of our eCheck Deposit service. Our customer care reps will add your name to the list and give you all of the details. It’s no guarantee, of course, but it helps us know who is really eager to try it out! Thanks and we hope to impress you (and your friends!) some more.

    • 112

      Did you give us a ring and add your name to the queue yet, Alan? If you haven’t just give us a call at 877-247-2559 and let our reps know you’re interested in being added to the next roll out. Thanks again and we hope to have you back to light-on-fees banking soon enough.

  45. 114

    Ally, please don’t make it sound as if it’s so easy to get the remote deposit option. I moved our checking acct to Ally because they said I would be in the next group roll out for remote deposit. That was 2 months ago. Now here I sit having to mail checks for deposit? This is not what I wanted. When I sent an email enquiry about this to Ally they sent a rather rude one back that said “You will just have to wait for us to contact you”. I’m very ready to go to the local credit union that just started offering remote deposit and an iphone app.

    • 115

      We’re still in the first phase of roll outs, Deb, but we’re passing along your note though to see what we can do as soon as the second one starts up.

  46. 116

    If there is any way to increase my chances of being selected for the second roll out, let me know. I called in and asked to be put on the list, but that seems like a roll of the dice as to whether you get chosen. My wife is begging me to cancel Ally because of the length of time it takes to get access to our money (employer doesn’t offer direct deposit so I have two paychecks in transit, one mailed in directly and the other being transferred from a local bank that we had to set up because of the delay on mailing checks in). She’s willing to eat the fees to have instant access to our money here locally. Happy wife = happy life :)

  47. 120

    The bank I left, First Merit, just came out with a mobile app and they promise more to come with updates (which probably means e-check depositing!)

    Why the hold up???? When will it be released????

    Sign me up for the beta of Android …. OR release the product already!

    I love Ally to death and am EXTREMELY impressed with service and ease of use – but we are all getting ancy and want the apps for our devices.

  48. 122

    I’m really wanting the ability to deposit via eCheck. My old bank just introduced this and it would be so nice not to have to mail check to you guys.

    • 123

      Give us a ring at 877-247-2559, George, and let our customer care rep know you’re interested. We’ll add you to one of the lists for the upcoming phased roll outs!

  49. 124

    When is echeck deposit supposed to be fully implemented? “over the next several months” was declared in April 2011.

    I love the Ally way of business, but I am extremely dissatisfied with the lack of online utilities for a bank that is completely online.

  50. 125

    I have multiple accounts with Ally in addition to accounts for other family members. The ONLY reason I still have an account with a local bank is for check deposit. I prefer NOT to rely on the USPS so I have to deposit at the local bank and do a transfer.

  51. 128

    “Ally says:
    Give us a ring at xxxxxx, George, and let our customer care rep know you’re interested. We’ll add you to one of the lists for the upcoming phased roll outs!”

    Really? because I have requested this in the past and was told that “you’ll get it when you get it” and there was no requesting earlier implementation

    • 129

      We certainly appreciate your patience, Jon, and haven’t actually gone through the next phase of roll outs yet. Stayed tuned, though, they are coming soon. We’re going to look into this for you on our side to double check that we have your name on the list.

  52. 130

    I’m sitting here with the same issue as Jon. I called months ago to get on an early adopters list and was told there was no such thing. I’m loving Ally bank except for when I’m sitting here with checks to deposit (like right now). It is a full four months after the announcement. I’m very disappointed.

    • 131

      Brett, we are sorry that you are having this issue. Can you give our customer service reps a call at 877-247-2559 and let them know you’d like to be added the next “eCheck Deposit roll out.”

  53. 132

    When will you have an Android Mobile Banking App available? We are waiting to switch because of this reason.Come on in to the 21st Century. You’ve almost got it 100%. Keep up the good work. Just maybe a little faster please!!!

    • 133

      We saw your other comment as well, Matt, and are happy to hear that you’re that interested in coming over our way. Definitely going to have something for you all soon there!

  54. 134

    The main reason I moved my savings account to Ally was because of the e deposit feature of this account….If you were not ready to offer this feature you should not have mentioned its availability…After reading all the requests and customer comments its appears that most of your costomers are concerned about the availability of e deposit….This ought to be the number #1 day in and day out object to get this project up and running. Thanks for listening….

    • 135

      We were moving through our first phased roll outs, Phil, in preparation for the general release to our customers. Many of the commenters here have since been added to the program and it is getting closer and closer to being ready for all of our customers.

      We really value your comments and want to let you know that you won’t be having to wait too long before you’ll have eCheck Deposit on your account too!

  55. 137

    I just read what “brett” and “jon” wrote on 9/4. So, you announced a service that was only rolled out to “some” users? Why did you announce something that isn’t available to all users? Seems a tease that we can’t use.

  56. 138

    Just tried e deposit for the first time, interface is horrible and very critical, don’t think oversized corporate checks meet the criteria. Will continue to mail my checks in going forward.

    I have a strong knowledge of computers and graphics design, this is a complete failure.

      • 142

        YES!!!!!!!I totally agree! That prtcuie at the bottom of the post makes my blood boil. People are so dumb. Anyway.. I’m a firm and avid believer of voting with your dollar. If an organization is unethical, I won’t buy from them. If a bank is charging me fees, I won’t bank with them I’ll switch banks! (Hi, ING Direct, I love you!). If a company is going against my principals I won’t patronize it! Us bloggers tend to take it one step further and blog about it, too. I agree 100% with this post.Daisy recently posted..

  57. 143

    How about a complete update on the status of e-check deposit – including a compete description of the service/capabilities, availability date for all customers, current status of it’s capabilities now, expected enhancements in the future, and related information…..

  58. 144

    Just called in to be added to the next rollout and was informed that the next one will include all Ally Bank customers! The rep told me it was to occur sometime this fall. Also, I wanted to add my name to the growing list of customers requesting a mobile app! This is a necessity in today’s customer-oriented banking market.

  59. 146
    Diogo Monica

    The lack of this feature is one of the things that make me not use the Ally checking account as my primary checking account anymore.

  60. 150
    Jason Garber

    Yeah, I’m a little bummed that it’s taking so long, but as a programmer, I understand how these things go. I’m just impressed Ally takes the time to respond to website comments!

  61. 152

    I have an ally account and a separate account at a local bank just for deposits. Can’t wait for this to roll out so I can put all my money in Ally!

  62. 153

    Having this now would remove a lot of concern about the time it will take to mail a deposit in to turn it around as a wire transfer. Customer Service just warned me it could take up to ten days (and asked if I had e-Check set up).

    While I’d like to use Ally for this, I may use my local bank as I have a closing in 3 weeks, and can’t rsik the fund not being where they need to be.

  63. 154
    John Pepe

    I am bummed and a little bit mad actually. I opened a checking account at Ally based solely on bogus information that it was now offered to everyone. 6-12months of testing, seriously? Unfotunately its an essential feature for me as I receive several checks per week and prefer not to live at the bank. Been using the super-limited Chase edeposit iphone app, but I hate chase and I hate their deposit limitations. Just applied for an EverBank account, waiting anxiously to hear back. Sounds like they have the best scanner based edeposit so far. Such a shame about Ally though, I was super excited :-(

  64. 155

    If deposits were easier and faster, Ally would be perfect. As is, it’s a complete hassel to just put money into an Ally checking account. lol I can not wait two weeks to MAIL in a deposit, or to transfer funds from another bank, which would make the Ally account pointless to have anyway. ATM deposits would be great.. Just a suggestion.

  65. 157

    I have a question about what type of checks can be deposited. The deposit agreement mentions ” Remotely created checks, as defined in Regulation CC (checks that, among other things, do not bear the signature of the person on whose account the check is drawn)” as a type of check that can not be deposited using eDeposit. I receive more and more checks generated by bill pay services like Ally offers – I go to my account and indicate who I want Ally to send a check to from my account. Is this the type of check described here? Why is that? All the local banks who do mobile deposit apps or ATM deposits don’t make this distinction. ?? Thanks in advance for your response.

  66. 161

    Five months out and still not available. Sad. I was really, really hoping that this & and iPhone app would make Ally a great place to bank. Honestly, I’m starting to worry that it’s never going to happen!

  67. 162

    I have been earmarked to test the service. I have a check made out to my consulting company, if I endorse the check can I still deposit it without physically mailing it in? Note it’s a home business so the business address matches my home address that is on file for the Ally account….

  68. 163

    Question withdrawn. It is a no no to deposit a corporate check into a personal account, basically “pierces the corporate viel…”
    I’ll mail it to the business account. Thanks anyway, I still think eDepositing checks is an excellent time saver and convenience.

  69. 165

    This feature is amazing! I love not having to wait for the mail. And I can understand the time frames, though lengthly compared to all other bank check deposits. Keep up the good work and get that mobile app out soon!
    That’s where the business is now-a-days.

  70. 167

    I opened my account on 07/25/2011 on the assumption that “e” deposits would be available very soon…..Today is 09/27/2011…Can you give me an estimate of when “e” deposits will be available for my account ????????

  71. 170

    Really would like to open an ally account but there is no way I’m going through the hassle until you guys get a mobile app (and don’t do iphone then wait forever with android!). You guys seem awesome just hurry with the mobile app!

  72. 172

    I have been happy with Ally for Savings/CDs, but not having a decent method of making a deposit is still keeping me from moving my checking acct to Ally. The fact this eCheck still isn’t available is disappointing. I even applied to be part of the test several months back, but sadly no response to that either. Come on, Ally…let’s get this available!

  73. 173

    Can you take a picture with your phone and then send that on your PC for this? Just want to know if you need a scanner for this to work.

  74. 174

    I’m trying to move my accounts from a huge nationwide bank and I’m looking for a bank that can give me e-deposit capability. I live in a somewhat location. Mail deposits are too slow for large amounts and maintaining a separate account for the sole purpose of making deposits is an unwelcome and unnecessary wast of time and effort. Although Ally Bank looks attractive, I can’t consider moving my accounts to your bank until e-deposit capability is implemented. If I find it elsewhere in the meantime, Ally will be out of the running. A mobile Android app would be a nice addition, but is not essential for me.

  75. 176

    Hi Ally! I love my new bank accounts, but really, you need a mobile app and/or roll out echeck in my area. This is what is stopping Ally from being the best bank ever. When are you going to announce this? I’m desperate for this feature.

  76. 178

    I’m REALLY in need of echeck deposits!!! Just a few days of releasing to everyone eh? Can you get me on the list? I really appreciate what you guys are doing here, but I’m getting killed by my “secondary” bank which I do my physical deposit with. Any help?

  77. 180
    Jason Miller

    man, would switch right away with this e-check functionality. Will this announcement be all over the front page of the website? Waiting patiently.

  78. 182
    John Durkee

    When will electronic scanning of checks for deposit be available in my area (Hunt, Texas), or is it already available nationally. I could do the scanning on a home computer, not a phone.
    Thank you

  79. 185

    I am really hoping that I get e Check SOON! It will be a huge convenience to me and I can close my BoA account that I still have so I can deposit checks for transfer to Ally. Please make it soon!

  80. 189

    Wow. It’s available. Click Make A Deposit and follow the instructions for eCheck Deposit. Not nearly as simple as depositing in a local ATM, but a lot better than having to mail it.

  81. 193

    I’ve been trying to deposit a check using eCheck for two days. I’m so disappointed. I keep getting a message that says “Check is too wide. Check is too tall. May need better crop.” I did eveything exactly as it said. The check is perfectly cropped with no extra space. I put dots in the corner of my check before I scanned. I even uped too 400 dpi after it said it had trouble reading numbers on the bottom of check. I think that was actually because it autocropped part of the numbers off check. Months of roll out and Ally still can’t get it right. If American Express gets eCheck, I’m leaving.

    • 194

      Overall we’ve heard pretty positive feedback from many of our customers, Carter, but it definitely helps to hear when there are issues. We’ll pass on the feedback to our eCheck Deposit team over here to see what we can do. Thanks for your comment!

    • 196

      Unfortunately Ally eCheck Deposit does not currently support the deposit of money orders, JLee. We’ll be sure to update here if that ever changes though!

  82. 198

    I’ve just spent an hour trying to deposit a check via my Mac. I don’t want to make changes to Java settings and the directions for a manual upload do not make any sense. I feel this process was not adequately tested before release, at least for Mac. I would much prefer an iphone app to do this via camera. After this wasted hour I will now go to my local bank and deposit there. I appreciate the effort, but there’s still work to be done on this!!!

    • 199

      We’re truly sorry for any inconvenience, and we certainly appreciate the feedback on our Ally eCheck Deposit. We’re continuing to make improvements on Ally eCheck Deposit to make sure you have the best experience and we’ll definitely be passing along your feedback to our team.

  83. 200
    B J

    I’ve been trying to deposit checks using eCheck but the experience has been terrible! I’m so disappointed. I keep getting a message that says “Check is not scanned correctly”. I did eveything exactly as it said and put dots in the corner of my check before I scanned. I even uped too 400 dpi after it said it had trouble reading numbers on the bottom of check. Months of roll out and Ally still can’t get it.
    I have used Chase and US bank edeposits and those were a breeze.
    Very disappointing.

    • 201

      We’re really sorry for any inconvenience, BJ. We really do appreciate the feedback though and are passing that along to the team over here as we continue to make improvements

  84. 202

    Slm_tx: the issue is that the version of java that comes with macs is 64 bit, but the applet requires 32 bit! I had to install a virtualized windows instance just to use it. And it’s still a pain to use. Had to revert to walking a mile round trip to deposit at a local bank then transfer funds to ally because that’s still more convenient than trying (in vain) to get everything right before it tells me my checks are different sizes or that it can’t read my account number. Please, ally, get your stuff together and get a real echeck deposit! Chase’s is awesome (we use it for business) – please take a page from their book so I can actually use my account without having to jump through hoops!

    • 203

      Thanks for your feedback, Chris. We’re working to improve our Ally eCheck Deposit and feedback like this will certainly help us along the way. We’re making sure your comment gets in front of the right people over here. Thanks again for the feedback.

  85. 204

    eCheck simply does not work at this point in time.

    Some checks will go through the first time but other checks will never be deposited no matter what you do. Even if they have a standard design, even if everything is written clearly.

    Image editing is part of my job and I have been doing this a long time, I have also checked the Ally Bank instructions multiple times to be sure I am following them to the letter.

    I have one check that is perfectly legible and I wasted about two hours now trying unsuccessfully to deposit it. I scanned it at the recommended 300dpi, greyscale, jpeg format, no luck. Tried again at 600dpi, tried at 600 in color, 600 in color then converting to 300dpi and greyscale with an image editor. Making sure the edges were perfect down to the pixel, no go.

    Also the errors you get will be inconsistent, for example you can upload a check image and get “The check is too narrow or too short” even though it may have accepted a check with the _exact_ same dimensions to the pixel 5 minutes earlier. Other times you will make it to the end of the process only to be told that something went wrong and given a big list of things that might be the problem but nothing specific. Other times you will complete the process only to receive an email the following day saying it failed for some unspecified reason.

    This is the only problem I have had with Ally since switching them, but it is a significant one. without branches or ATMs Ally needs a working eCheck system more than anyone, yet theirs appears to be one of the worst, not a good combination.

    I really hope the upcoming mobile phone scanning is more robust and reliable than the current system.

    • 205

      Thank you so much for your detailed feedback, Drew. We are continually working to improve our Ally eCheck Deposit and this type of feedback is important for us to do so. We’ll keep you posted as new versions or variations of Ally eCheck Deposit are rolled out. Thanks again for your comment.

  86. 206

    Great service. Feedback about a few things that bother me though:

    a) Too much writing required at the back of each check. Couldn’t you at least reduce it to “ally edep only, a/c #: XXXXX” ?

    b) the number of checkboxes to click in the wizard for each check is ridiculous and slows down the process. Please minimize number of clicks needed. Perhaps you could include an “experienced/advanced user” setting for folks who’ve submitted 2 or more checks and are familiar with the process.

    c) the daily limit being under $10k (and monthly < $20k) is useless to me.

    Thanks again for this valuable service!

  87. 208
    Andy Vance

    This system does not work – it took an hour to get the system to recognize that the front and back of the check were the same size. I measured down to the pixel and it still didn’t recognize it.

    Then I got an error message that the deposit could not be processed because it was on a foreign bank account or a starter account. It was in fact a Compass bank account, one of the 25 largest banks in the U.S. It was also not on a starter account. It was a normal personal checking account that anyone in the U.S. might have.

    Then when you call customer support they cannot tell you why the check was not accepted when it is obvious that the check was a normal personal check.

    This makes the service totally unusable and a huge disappointment. Don’t waste your time with this.

    • 209

      We’re sorry for the inconvenience, Andy. We’re continuing to improve our Ally eCheck Deposit service and your feedback will help with that process. In the meantime, the Ally eCheck FAQ post might be of some help to you

  88. 211

    After much research, my wife and family opened several accounts. Unfortunately, after only a short period of time, my wife and daughter had overdrafts on their accounts, primarily because of a their lack of understanding over your holds on edeposits. My wife has now been told that she is not allowed to make edeposits until June. Obviously, this is a problem since we gave up our traditional bank accounts. Now she is ready to go to Wells Fargo to open up new accounts. Can this be true? If so, why can’t this be fixed? I don’t want to switch banks and close my Ally accounts but it looks like I’ll have to if you can’t allow edeposits.

  89. 212

    The persistent evasiveness regarding a firm launch date for an iPhone app has made look at other banks. I switched to tiaa-cref. It has everything I need including an iPhone app

  90. 214

    I’m not impressed with eCheck Deposit, it often requires me to scan each side more than once to accept the image, hand written checks are problematic, and even when it works well the process is annoyingly slow. Also, the wait time until the checks are deposited is frustrating.

  91. 215

    I have to say.. I have been very impressed by your eCheck deposit system. I have yet to have any issues, even with handwritten checks. Love it.. Very convenient not to have to go to a branch, or mail a check. My only advice to other consumers would be to pay close attention to how to scan in your check. All in all, extremely happy with my account. I do have to agree though.. A mobile app is way overdue, even if its just for general banking at this point, no picture deposits. Just my two cents! Good job guys! :)

  92. 216

    I think eCheck deposit is pretty nice. Is there a way to check on pending deposits though? Once I deposit it, it be nice to be able to access the acceptance receipts on the website rather than having to saving each one of them myself.

    Thanks for the help.

    • 217

      Thanks for your support and feedback, Jordan! Passing it along to our team over here. If the feature gets implemented, we’ll be sure to let you know. Thanks again!

  93. 218

    I have used scanned check deposits at other banks, and I must say ALLY BANK’S DEPOSIT SERVICE IS THE WORST AMONG ALL BANKS. I tried the FAQs, I spoke with customer service, no help. Many different checks have been rejected by ally’s service.

    Well fargo, USAA, Chase, US Bank, they all have Ally beat in this regard.

    It takes literally HOURS to get the system to recognize the front and the back were the same size. I sized it to the PIXEL in PHOTOSHOP, and it was still rejected, for different reasons every time!

    Seriously, you submit once, rejected for proportions. Resubmitting the same exact file again, you get it rejected for readability.


  94. 222
    Denis I.

    Same problem as Carter above:

    Check too tall. Check too wide. When uploading the back of the check. Followed directions to a tee.

    Need help, this matters to me.

    • 223

      We’re sorry for the inconvenience, Denis. If you need immediate assistance with the Ally eCheck Deposit feature, please give our Ally Care team a call 24/7 at 1-877-247-2559.

  95. 226

    I have been trying for 3 hours to deposit an echeck. I have done this many times before, and every single time there has been some kind of issue. This time, I am not even able to open the little window to get started. Keeps saying “Processing request.” I have the latest java. Have tried on several browsers and computers. This is my only means of getting money into my account…so its kind of important. I called customer service, no help. Someone please help me or I am seriously switching banks.

  96. 228


    After 30min of cropping and recropping and trying to use this infuriating system, I give up.

    Why did I make my deposit here? 1% is high yield? Gimme a break.

    • 229

      We’re sorry for the inconvenience, David. Passing your feedback along to our team over here. If you continue to have questions, please give our Ally Care team a call 24/7 at 1-877-247-2559.

  97. 230

    Argggg! This is infuriating. It shouldn’t take an hour of struggling with “Check is too wide, check is too tall” to deposit a check.

    When is the mobile app coming out? Please tell me it will actually work.

  98. 232

    So far the echeck deposit experience has been a nightmare since we opened the account with Ally. We spent hours to try to get a check deposited. Among all three checks, only the first one was successful after getting so many errors that didn’t provide any remotely accurate description of what really happened. We then followed the same procedure and even used the super power scanner at work to create the image as required – greyscale & 300dpi etc.etc. None of this worked. The biggest joke is the last one – image were accepted but deposit couldn’t be posted b/c it deemed that the information was not sufficient. Customer service couldn’t revert the transaction so the deposit cannot be posted again. We were asked to mail in the check, as that was the only solution, not even a courtesy to ask to pay for the stamp – sorry can’t help being a bit sarcastic here.

    Now I’m done complaining about echeck, where do I start about ebill??? I never thought I would say this, I now miss Wells Fargo’s service!

  99. 234

    e-deposit is just not working at all. Saved as grayscale, 200 DPI, getting error check is too wide. The check has same size as 1sttech checks, regular personal check size. I can make any DPI/any image size as my original is 600 DPI. The image is high quality, verything is clear. If I start cropping I get message can’t verify account numbers.

    Also reloading the image is extremely slow. I have comcast and big images load in a moment, but this app for some reason takes 20 secs to load 250K image.

    The system has to be improved, at today it’s not usable at all.
    My 2 cents.

  100. 238

    After reading through the dated comments it seems Ally’s only response is we don’t care that it doesn’t work just try the mobile app.

    Can we please get an ETA on when the EDeposit is going to be fixed? It obviously doesn’t work 99% of the time.

    A bank that doesn’t care their software doesn’t work? Why would I want to keep my money with you?

  101. 239

    Worst customer service ever!!! I deposited a check using the eCheck option on the Ally app and got the confirmation email that the check was accepted, so I shredded the check.

    The next day I check my account and find that the check was returned because the credit union the check came from does not work with edeposits on their checks and I got charged the returned check fee by Ally. This policy was never disclosed at any point when I was using the service.

    The customer service rep told me the only way to have the fee refunded is to try to deposit it again using the edeposit system and if the credit union honors the check, then I get the fees back. So, I feel that they were just telling me to do this so they could attempt to collect fees on the same thing twice. All while I’m just trying to put my money in their bank. Absolute worst customer service ever! I’m closing my account!!!

    • 240

      We apologize for the inconvenience, Shannon. Someone from our Ally Care team has researched the transaction and should have been in touch with you to help resolve the issue with the credit union and their policy as well as the issue regarding the fees. Please let us know if you have any additional questions for our Ally Care team.

  102. 241
    Glen Miller

    In the hopes that this helps someone else deposit checks…

    I was told checks must be between 5.7 by 2.2 inches and 8.7 by 3.8 inches (physically), scanned at 300 dpi.

    That translates into…
    Between 1710 to 2610 pixels horizontally, and
    Between 660 to 1140 pixels vertically

    The resulting image file needs to be less than 1 meg in size, in the JPG format. Color or gray scale both seem to work, as long at they are not too large. If too large, open in a editing program and save at a slightly lower JPG quality.

    The Ally web site software seems to use the EXIF info embedded in the JPG file to determine the DPI of the image. It wants to see 300 DPI. It really makes no sense. If you have the pixels, that’s what matters. However that’s what it wants to see, so make sure it’s correct.

    In Windows, you can right click on the file, go to properties, details, and scroll through the info. Make sure it’s correct (pixels, DPI and file size). If the DPI is not 300, I suggest changing it with a program called Exif Pilot . (I change both the picture and the thumbnail to 300 dpi, just to make sure.)

    Following these guidelines, I have not had an error uploading a check jpg.

  103. 242

    ” If “boring” means returning to the basics of relationship banking, strong underwriting and transparent products, he’s right. Wearing sharp, professional and formal dress goes without saying, but take the time to make sure you look your best. The positive news however is that, this crisis has forced NBFCs to improve their operations and strategies.

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