Was great when Ally first came out but the past 2 years Ally has become just another bank if you have more than one account and one of those accounts is over drawn AT ALL they block you from using other accounts you have even if the other accounts are in the positive therefore you can't use your own money so be aware before you open an account with them. They make changes VERY often lately as well and DO NOT make you aware until you run into that problem and won't work with you whatsoever