ally-bank-deposit-agreement.2011-07-18

There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will
tell you when the funds will be available. They will generally be available no later than the seventh
business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the fi rst 30 days your account
is open.
Funds from electronic direct deposits to your account will be available on the day we receive the
deposit. Funds from wire transfers and ACH credit transfers and the fi rst $5,000 of a day’s total
deposits of cashier’s, certifi ed, teller’s, traveler’s, and federal, state and local government checks
will be available on the second business day after the day of your deposit if the deposit meets certain
conditions. For example, the checks must be payable to you. The excess over $5,000 will be available
on the ninth business day after the day of your deposit.
Funds from all other check deposits will be available on the seventh business day after the day of your
deposit.
Special Rules for eCheck Images
Funds from eCheck Deposit images are generally made available within the above policy timeframes,
however, Ally Bank reserves the right to make such deposits available at our discretion.
Special Rules for ACH Debit Transactions
ACH Debits are generally made available the day after the funds are received by Ally Bank, however,
Ally Bank reserves the right to make such deposit available at our discretion. “ACH Debit” means a
transfer instruction issued by you at Ally Bank in order for funds to be pulled from your registered non-
Ally account at another fi nancial institution and deposited to your Ally Bank account.
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