Banking · Retail bank
Ally Bank: US online bank, FDIC member
US bank with no branches, an FDIC member, offering online checking and savings accounts. It requires US residency with a US mailing address: it is not suitable for a non-resident.
Please note
Characteristics
- Family
- Retail bank
- Regulator
- FDIC
- Regulator country
- United States
- Deposit guarantee
- Yes
- Remote opening
- Yes
- Currencies
- USD
- Services
- Current account · Savings · Payment card
- Accepted residencies
- United States
- Refused residencies
- Not provided
- Home country
- United States
US residency, a US street address and a minimum age are required; citizenship is not required, and a Social Security number or tax identification number is accepted for the bank account. What happens to the account after a move abroad is not specified.
Entities and regulatory status
| Entity | Jurisdiction | Status | Regulator | Protection of funds |
|---|---|---|---|---|
| Ally Bankholds the accountAlly Bank states on its help page that it is an FDIC member. Chartering authority and certificate number not recorded (FDIC BankFind record not consulted). | United States | Banks with their own licence | FDIC | FDIC |
Who can open or keep an account
| Country of residence | Case | Status | Conditions |
|---|---|---|---|
| United States | Opening | Accepted | US resident with a US street address; Social Security number or tax identification number; citizenship not required.ally.com |
| Any residence (general rule) | Opening | Refused | Non-residents of the United States: the US residency and address requirement rules out opening an account from abroad.ally.com |
| United States | Keeping after a move | Unknown | Keeping the account after moving abroad: not addressed on the page reviewed. |
A country missing from this table is neither accepted nor refused: the information is not published.
Published figures
- Account feeNot provided
- Brokerage feeNot provided
- Deposit guarantee ceilingup to $250,000fdic.gov · Verified on Nov 2, 2026
- Entry ticketNot provided
Which entity, which status
According to its own help page, Ally Bank is an FDIC-member bank (Ally account opening FAQ). The account is held by the bank itself, with no partner bank.
The authority that granted Ally Bank's charter and its FDIC certificate number were not recorded: the FDIC BankFind record was not opened.
Who can open an account
Ally does not require US citizenship, but it does require US residency, a US street address and a minimum age of figure being updated. For the bank account, a Social Security number or a tax identification number is accepted; the brokerage offer requires a number issued in the United States.
The page says nothing about customers who move outside the United States or about military addresses: ask the bank before leaving.
Account, card and currencies
Checking and savings account in US dollars, with a debit card, managed online.
Rates, fees and limits: not recorded from a dated fee schedule.
Protection of funds
Points to check
- The US street address, a condition for opening an account.
- The bank's position in the event of a move abroad, which is not published.
- The distinction between insured deposits and investment products.
Sources and verification dates
- 1.
Deposit guarantee ceiling : $250,000
« FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for each account ownership category. »
Federal Deposit Insurance Corporation, « Understanding Deposit Insurance »Verified on Nov 2, 2026Verified source