Ally Makes Banking Even Easier With eCheck Deposit

Posted in Community
October 19th, 2011 at 10:55 am by Ally

Last spring, we began a phased rollout of eCheck Deposit, a quick, safe and convenient way to deposit checks into your Ally Online Savings, Interest Checking or Money Market accounts. We’re happy to announce that starting today, eCheck Deposit is available for all of our customers to use. Like our upcoming mobile banking application, eCheck Deposit is just another way we’re working to create an even more convenient, customer-friendly banking experience.

Customers who have already used eCheck Deposit have had lots of great things to say about it.

Kerwin sent us a Tweet to let us know how easy it was to use eCheck Deposit. “First eCheck deposit successful & painless!!!! Can’t wait to try it again.”

Duong on Facebook didn’t have a check to deposit, but that didn’t stop him from figuring out a way to give eCheck Deposit a try. He wrote on our wall: “Didn’t have any checks laying around so went ahead and wrote myself a check from another bank. Seems to work just fine!”

Ally customer John Milner took to his blog to write about his first eCheck Deposit experience. He described it as simple and straightforward, and wrapped up his review with a generous, “Thanks, Ally!”

Since our initial rollout last spring, we’ve enhanced our eCheck Deposit Wizard, which walks users step-by-step through the check-scanning and upload process. The Wizard now allows both Mac 10.6 and Windows users to make deposits from wherever they have access to a scanner and an Internet connection, and it’s compatible with Google Chrome, Safari, Mozilla and Internet Explorer.

In addition to calling us 24/7 or chatting with us online, if you ever have any questions when using eCheck Deposit, you can check out our Online Demo that walks through the process of scanning, uploading and submitting your check image. A link to the demo can be found when you log in to your account and access eCheck Deposit.

We want to be sure that eCheck Deposit is providing you with the best banking experience possible, so be sure to give us your feedback, and let us know if you have any questions.

Have you had the opportunity to try eCheck Deposit yet? Will these new features help improve your banking experience?

Responses to this post (35 comments)

  1. 10/20/2011
    11:58 am
    Josh says:

    I’m excited to try it out – but is the Mac version limited to 10.6? I have an older machine and can’t upgrade to 10.6 …

    Love seeing continual progress at Ally.


    • 10/20/2011
      12:00 pm
      Ally says:

      This should work for you, Josh, however you’ll want to use the manual upload due to the configuration. Let us know once you try it out!

    • 10/21/2011
      1:33 pm
      Ally says:

      Great hearing from you again, Josh! We’re passing this along to the team over here to check on this for you now.

  2. 10/20/2011
    1:52 pm
    David says:

    We’ve been waiting for this every since we switched to Ally. Virtually eliminates one of the only drawbacks of using a branchless bank. Thanks Ally!

    • 10/21/2011
      1:32 pm
      Ally says:

      Great to hear that, David. We’re really excited about the roll out, too. Be sure to let us know if you ever have any questions.

  3. 10/20/2011
    8:13 pm
    Cam says:

    This is great! Is there an app for iPhone or android in the works?

  4. 10/22/2011
    6:18 am
    Miguel says:

    Tried it twice and LOVE echeck deposit! Thank you Ally!

    • 10/22/2011
      6:20 am
      Ally says:

      You’re very welcome, Miguel! We’re glad to hear such positive feedback on the new addition.

  5. 10/23/2011
    2:21 am
    Tim says:

    Still not a fan of how it takes a business day for funds to post. My CU allows the first 1k to be available immediately regardless of time deposited and the remaining after a 2-3 day hold. And the e-deposit limits seem out of whack. A daily limit of 5k is usable, but the 10k monthly limit makes no sense. There are times I would surpass this monthly limit. I.e. my CU allows a 25k daily deposit limit, with a 100k+ monthly limit.

    At the very least Ally needs to work on funds availability. If you must, run credit checks to set limits. While the feature adds convenience, the lack of immediate funds availability reduces the usefulness.

    • 10/23/2011
      2:22 am
      Ally says:

      Thanks for the feedback, Tim. We’re passing that along to our team over here. We’re always looking for ways to make your banking experience easier. Appreciate the comment!

  6. 10/24/2011
    2:14 pm
    Josh says:

    I’m glad y’all got this out to everyone! Excited to try it with my next check and can’t wait to see the mobile application for Android!

    Though, I am a little curious, is there a reason we have to add the additional info on the back of the checks instead of just the signature?

  7. 10/26/2011
    8:44 pm
    Borat says:


    • 10/27/2011
      8:45 am
      Ally says:

      We see what you did there, “Borat.”

  8. 11/8/2011
    1:15 pm
    Roger says:

    I tried twice without success. The first time the check was slightly skewed but clearly visible. Your check reader can’t try different angles? Paypal’s had no problem. The second time I didn’t put the exact endorsement message on the back of the check. Bank of America lets me submit checks without any endorsement. Not to mention, each attempt took several hours for a response. I really hope these problems get ironed out.

    PS – The plus sign (+) is a valid character for an email address (see google mail).

    • 11/10/2011
      4:05 pm
      Ally says:

      We appreciate the feedback there, Roger. Helps us be better there. We’ll let our team know and we’ll be sure to investigate.

  9. 11/11/2011
    4:59 pm
    Hunny says:

    The attempt to e-deposit failed the first day. The reason was Ally couldn’t read the account or routing number at the bottom even though it looked clear to me. I gave it another try on the second day and moved the check down a little on the scanner and it went through this time. However, I never got any notification from the bank. It’s been 2 days and I still don’t see it on my account. Will call to find out the status.

    • 11/14/2011
      5:24 pm
      Ally says:

      Good to hear you got it to work, Hunny. And good call on giving us a call to double-check. Apologies if any notification wasn’t properly expressed to you as well, but we’re sure our reps will be able to help you out! Thanks for the feedback.

  10. 11/12/2011
    8:12 pm
    Dan says:

    Love eCheck deposit, but it needs to be easier to track the status of a deposit. Once you finish the Wizard, there’s no way to see the deposit until it posts (2 days later). Makes it hard to remember which checks you’ve already submitted and which you haven’t. Also, I’d rather see more of your services made in-house. I don’t like (or particularly) trust websites that are using different companies for every aspect of their website. By using Ensenta to process your checks, you are just adding the chance for more security problems. If Ensenta gets hacked, you could risk lots of customer data being stolen. Makes more sense to me for you to do everything in-house and only worry about one source for security… Also, the Ensenta GUI is fairly ugly. I’ll keep mailing checks for the time-being.

    • 11/14/2011
      5:25 pm
      Ally says:

      Appreciate the feedback, Dan. We hope that Ally eCheck Deposit is making your banking experience more convenient and will definitely pass on your comment to our team over here. We’re working hard to make banking with Ally as best as we can over here and any suggestions are always welcome!

  11. 11/17/2011
    11:27 pm
    Sewing Machine says:

    Great! thanks for the share!

  12. 12/2/2011
    1:52 pm
    Michael says:

    Unfortunately it’s not available for all customers to use as stated.

    In these hard financial times, some folks have difficulty keeping enough money in their accounts to cover all expenses. If your account has been overdrawn in the past, you do not qualify for the eCheck Deposit service.You must then not have any overdrafts for 6 months to qualify. A bit counter intuitive. If I am attempting to place money in my account using a service that would get it there faster so as to not be overdrawn, why would I have this service withheld from me?

    Feels like a punishment for being a less than stellar customer. Granted, there may be legal or government imposed reasons, but reading through the Ally Deposit Agreement, it sounds like the service can be withheld for any reason, even as a punishment…

    • 12/2/2011
      2:00 pm
      Ally says:

      We’re sorry for any inconvenience, Michael, however since Ally eCheck Deposits are images and not physical deposits, we do have to be a little more cautious. You can always transfer your funds or send your deposit in the mail, though. Thanks very much for your comment, and we want you to know that we’ve heard similar feedback from others. Because of this, we are taking a second look at our policy, and will definitely keep you updated should there be any changes. Thanks again for your comment, and we hope that you’re otherwise a happy customer.

  13. 12/7/2011
    9:17 am
    Josh says:

    Do you have to use a scanner or will any digital image work?

    • 12/7/2011
      9:20 am
      Ally says:

      We’d recommend using a scanner, Josh. The demo is optimized for this, but you might find out latest post with a few FAQs helpful, too!:

  14. 12/8/2011
    5:49 am
    Steven says:

    I was told because my account was overdrawn that I only had to bring it up to a positive balance and then the eCheck would work. I am a good customer and rarely overdraft and also find this policy counter-intuitive.

    Create some kind of verification for us bad people like having a physical license on file or maybe even our signature to show its us.

    • 12/9/2011
      9:12 am
      Ally says:

      Nice suggestions, Steven. We’ll pass those along to the team over here. Thanks for your comment.

  15. 12/22/2011
    1:14 am
    Cliff says:

    eCheck Deposit is a joke, it did not work for me.

    • 12/23/2011
      8:54 am
      Ally says:

      Thanks for your comment, Cliff, and we’re sorry for any inconvenience. Were you given a specific error message? We had a recent post that might be helpful too: We’re continually making improvements to Ally eCheck Deposit, and we’ll be happy to pass along your feedback to our team!

  16. 1/15/2012
    3:15 pm
    Tricia says:

    I love the eCheck Deposit! The first time I had some issues, but ever since I started darkening my scans, I’ve not had a problem (maybe you can give this as a tip to customers who have problems?)

    Thanks for doing this. For me this is way cooler than Chase’s photo scan app because I don’t have a smart phone. Thanks for making check scanning remotely accessible to everyone!

    • 1/17/2012
      9:18 am
      Ally says:

      Thanks for the feedback and tip, Tricia! We’ll pass this along to our team.

  17. 2/9/2012
    12:13 pm
    Trevor says:

    I have not been able to get the tool to work for business and bank checks, which tend to be larger, with non-standard dimensions. When I try to upload them, the system always says that the dimensions are wrong. It doesn’t seem to matter how I crop them. (The cropping tool is clunky, slow, and frustrating. Was it borrowed from a CAD program from 1987?) Similarly, the file-size restriction seems oddly low. I have to reduce resolution such that the check is barely legible in order for it to be uploaded at all. Overall, I’ve found the tool worse than useless, because it’s a frustrating waste of time. I just snail-mail the checks with deposit slips–and shake my head that this aspect of banking is still stuck in the 19th century. It would be nice if Ally could at least partner with brick-and-mortar banks to allow deposits. Frustrating.

  18. 4/30/2012
    2:52 pm
    Travis says:

    The echeck deposit feature is awful. I’ve uploaded one check, it worked ok. The second time it’s taken me over an hour, and I still can’t get it to work. No matter how I crop it, it always gives me the same error message after I scan the back of the check. “Check Front and Back images are not the same size.” Also, there is no smartphone app AT ALL. No way to check your balance or transfer money without actually logging in to the actual website with your smartphone browser. I’ll keep the account empty for another month or so but if there is no improvement I’ll be going back to my old bank where depositing a check is as easy as pulling up to an ATM or snapping a pic on my smartphone.

  19. 6/4/2012
    10:05 pm
    Sung says:

    The eCheck deposit feature is extremely slow and very inconvenient to use – specially the crop feature and checks to have front and back images the same size, etc. etc. just awful.

    • 6/5/2012
      10:07 am
      Ally says:

      We’re sorry for the inconvenience, Sung and appreciate your feedback. Feedback like yours will help us improve the Ally eCheck Deposit feature. In the meantime, the Ally eCheck FAQ page might be of some help. More info for you here:

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