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Ally Spending Account: overdraft fee & grace period

Checked against Ally’s own pages on October 26, 2026. 5 facts verified.

Forgiveness score 8 of 11no feebreathing roomoverdraft offcard lockhelpful features
Overdraft fee
$0 overdraft items fee; no monthly maintenance fees or minimum balance.
Source: ally.com/bank/interest-checking-account/
Grace period / breathing room
CoverDraft: free, temporary overdraft coverage of $100, rising to $250 after qualifying direct deposits of $250+ two months in a row (opt in).
Source: ally.com/bank/interest-checking-account/
Can you turn overdraft off?
Overdraft Transfer Service and CoverDraft are opt-in.
Source: ally.com/bank/interest-checking-account/
Card lock / blocking
Lock your card in seconds if it’s lost or stolen.
Source: ally.com/bank/interest-checking-account/
ADHD-friendly features
Spending “buckets” with target amounts and due dates (e.g., rent), plus alerts and automated transfers.
Source: ally.com/bank/interest-checking-account/

Not applicable here: Late fee, First late fee waived?, Autopay.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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