John Milner.

Just made my first Ally eCheck deposit!

A few weeks ago I heard Ally, which has become my primary bank, released a new eCheck deposit feature allowing customers to scan checks rather than mail them in. I started using Ally late last year as an alternative to my then current bank in order to avoid ATM fees. At the time I was a bit shocked they didn’t have this feature or a mobile app. However, over the last few months Ally has won my business with great customer service, no fees (for some reason no matter where I was, there was never an ATM for my national bank) and an excellent bill pay system.

When I heard about the new eCheck deposit system I asked to be added to the list for an upcoming roll-out, and about two weeks ago Ally made the feature available to me. Today was the first time I had a check that needed to be deposited. The process was fairly simple and straightforward (although I had to play with the settings on our office scanner a bit): input the check amount, scan the front side and align, scan the back after endorsing and align, and submit. In all it took about 10 minutes. Too long if I was depositing a lot of checks regularly, but I’m not, for the occasional check it is an easy process.

Now there is absolutely no need for my brick and mortar national bank, at least none that I can see. Sure I would love to see Ally add this feature to an iPhone app like USAA or Chase (or for them to even have an iPhone app), but hopefully in due time they will get there. For now, Ally just enabled me to close my other account as its sole purpose was to deposit checks. Thanks Ally!

… now hopefully the check clears and there isn’t a problem.