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Ally Bank traces its roots back to 1919, when it was established as the General Motors Acceptance Corporation (GMAC) by the automotive giant General Motors. GMAC’s original mission was to provide financing to car dealers and customers, enabling manufacturers to maintain steady production and consumers to purchase vehicles through loans ally.comWikipedia.
Over the next several decades, GMAC expanded beyond auto loans. In 1939, it entered the insurance market by founding Motors Insurance Corporation. Throughout the mid‑20th century, GMAC diversified its offerings, adding mortgage lending (beginning in 1985) and other consumer finance products.
The transformation into Ally Bank began in the aftermath of the 2008 financial crisis. In December 2008, the Federal Reserve approved GMAC’s application to become a bank holding company. This structural change paved the way for GMAC’s banking arm to be rebranded. In May 2009, GMAC Bank officially became Ally Bank, reflecting a new focus on transparent, customer‑friendly online banking solutions. A year later, in May 2010, the parent company adopted the Ally Financial name História das Empresas.
Since then, Ally has grown into a leading 100% digital bank, renowned for its high‑yield savings accounts, no hidden fees, and award‑winning mobile app. Although it no longer maintains physical branches under the Ally name, its legacy spans more than a century of innovation in financing and banking.
Ally Bank’s credit cards are available by invitation only, designed to complement its digital-only ethos with straightforward rewards and no hidden fees. Each card includes:
- Zero Surprise Fees (no late‑payment rate hikes, no returned‑payment fees).
- Zero Fraud Liability and 24/7 fraud monitoring.
- Free Online FICO® Score updates.
- Around‑the‑Clock Customer Care.
Ally Platinum Mastercard®
- Designed to help you achieve credit goals with automatic credit line increase reviews.
- Benefits: Zero fraud liability; no late‑payment APR hikes; free FICO® score; live personal support; total app control. Ally
Ally Everyday Cash Back Mastercard®
- Rewards: 3% cash back at gas stations, grocery stores, and drugstores; 1% cash back on everything else.
- Highlights: No expiration and no earnings cap; no surprise fees; zero fraud liability; tap‑to‑pay; 24/7 support. Ally
Ally Unlimited Cash Back Mastercard®
- Rewards: 2% cash back on all purchases, all the time.
- Special Edition: Exclusive nurses & educators version available.
- Perks: No annual fee; no foreign transaction fees; zero fraud liability; free FICO® score. Ally
How to Download the Ally Mobile App
- Open the App Store (iOS) or Google Play Store (Android).
- Search for “Ally: Bank, Auto & Invest.”
- Verify the publisher: Ally Financial Inc.
- Tap Install/Get, then Open.
- Log In using your Ally username and password.
- Enable biometric authentication and push notifications for instant updates.
Frequently Asked Questions
Q1: Can anyone apply for an Ally credit card?
No—cards are invite‑only, sent via mail or secure online offer.
Q2: Are there annual fees on Ally credit cards?
All cards have $0 annual fee, with no late‑payment rate hikes.
Q3: How do I access my FICO® Score?
Enroll in credit card account management or within the Ally Mobile app for free, unlimited updates.
Q4: Can I use Ally’s debit card internationally?
Yes—no foreign transaction fees and access to 60,000+ fee‑free ATMs.
Sources:
- Ally Bank Mobile App (iOS): Apple App Store Apple
- Ally Mobile App (Android): Google Play Store Android Apps on Google Play
- Ally Online Savings Account Rates Ally
- Ally Credit Cards Overview Ally
- Ally Bank Customer Base & Services
