{"account":{"slug":"ally-online-savings","bank":"Ally Bank","name":"Online Savings Account"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.ally.com/bank/online-savings-account/","history":[{"date":"2026-10-23","apy":"3.10% (variable; rate checked October 23, 2026)","monthlyFee":"$0","minimumOpen":"None","atm":"No ATM access on savings; pair with Ally checking for 75,000+ free ATMs","note":"Scoped review confirmed buckets, transfer options and withdrawal cap; corrected blanket no-cash-deposits claim by separating Savings from Spending cash access. Removed unsupported superiority and future-rate claims. Full-record date remains October 5.","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Official savings product and supporting help pages"},{"apy":"3.20% variable APY; checked October 23, 2026","monthlyFee":"$0","minimumOpen":"None","date":"2026-10-23","note":"Fresh official page lists 3.20% APY; corrected current rate and removed brittle cross-bank earnings comparison. Prior observations preserved; this is not an asserted effective date. Full-record date retained.","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Official product terms reviewed October 23, 2026"},{"apy":"3.20% variable APY; checked November 2, 2026","monthlyFee":"$0","minimumOpen":"None","date":"2026-11-02","note":"Freshness-rotation reconfirmation: Ally's savings and rates pages still show 3.20% APY across all balance tiers. No change.","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Ally Online Savings Account page, checked November 2, 2026"}],"verificationEvents":[{"id":"330a3017-21cf-4296-a495-d42d031f6e70","entityType":"bank-account","slug":"ally-online-savings","checkedAt":"2026-10-23T19:51:21.482Z","recordedAt":"2026-10-23T19:51:21.483Z","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Official savings product terms; scoped review","outcome":"changed","summary":"Fresh official page lists 3.20% APY; corrected current rate and removed brittle cross-bank earnings comparison. Prior observations preserved; this is not an asserted effective date. Full-record date retained.","changedFields":["apy","cons","ourTake","termHistory"],"previousHash":"9522bbb6a3e052dfc528a85a12461f7a2f93fe57ae52aad121a523354c08e65f","recordHash":"9474f32b71ccce4fe0b11da51d8cbac5082fb826e93d23285bdebb7151a2bf13"},{"id":"8018a7ea-9235-440f-b6e4-3cf48393d5ad","entityType":"bank-account","slug":"ally-online-savings","checkedAt":"2026-10-23T10:14:15.842Z","recordedAt":"2026-10-23T10:14:15.843Z","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Ally Savings product, transfer and deposit help","outcome":"changed","summary":"Scoped review corrected cash access via separate Spending, added next-day transfer eligibility and ten-withdrawal limit, and qualified rate comparisons. Full-record date preserved.","changedFields":["tagline","features","pros","cons","ourTake","termHistory"],"previousHash":"3f76b80288d6d4c0e6f627c70e7dab30760a5edfb8cccc9d7ac8d4c90e357344","recordHash":"d04ffdff573f82f76918b1ad229166ed125f4d750a15f6610833cdfe6b6c4e16"},{"id":"8c192fa2-ba0e-4848-a4fc-6ab3c33209f7","entityType":"bank-account","slug":"ally-online-savings","checkedAt":"2026-10-23T06:23:03.408Z","recordedAt":"2026-10-23T06:23:03.409Z","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Ally current savings APY","outcome":"changed","summary":"APY-only check October 23: issuer displays 3.10% dated October 22. Removed unsupported Federal Reserve causal claim from the shared rate field. Full-record lastVerified unchanged.","changedFields":["apy"],"previousHash":"a0ea3483fdd1316e298c2d34e44d0550f15b2b36607900bdde097b88c3f5421a","recordHash":"06d3e7d2b19fae851b0135cc081f30699fdc461a6e477686091a2b034a3e5e05"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}