{"account":{"slug":"ally-spending-account","bank":"Ally Bank","name":"Spending Account"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.ally.com/bank/interest-checking-account/","history":[{"date":"2026-06-11","apy":"0.10% under $15,000; 0.25% on $15,000+","monthlyFee":"$0","minimumOpen":"None","atm":"75,000+ fee-free ATMs nationwide plus up to $10/month reimbursement of other operators' fees","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"0.10% under $15,000; 0.25% on $15,000+","monthlyFee":"$0","minimumOpen":"None","atm":"75,000+ fee-free ATMs nationwide plus up to $10 per statement cycle reimbursement of other operators' fees","note":"Reconfirmed tiered APY (rates as of 10/08/2026), no fees or minimums, ATM network and $10 per cycle reimbursement; CoverDraft is now $100 by default and $250 with qualifying direct deposit; free Walmart cash deposits added","sourceUrl":"https://www.ally.com/bank/interest-checking-account/","sourceLabel":"Ally Bank Spending Account product page"},{"date":"2026-10-23","apy":"0.10% under $15,000; 0.25% on $15,000+","monthlyFee":"$0","minimumOpen":"None","atm":"75,000+ no-fee ATMs nationwide; up to $10 per statement cycle reimbursement of other ATM fees nationwide","note":"Scoped check of Walmart cash deposits, domestic ATM rebate scope, service fees and CoverDraft eligibility/opt-in. Removed unsupported no-fees and best-budgeting claims. Full-record verification date and prior history retained.","sourceUrl":"https://www.ally.com/bank/interest-checking-account/","sourceLabel":"Official bank rate, fee and product disclosures"}],"verificationEvents":[{"id":"4dc64ce0-50c6-4429-a2d6-04d5ccab442d","entityType":"bank-account","slug":"ally-spending-account","checkedAt":"2026-10-23T09:14:32.298Z","recordedAt":"2026-10-23T09:14:32.300Z","sourceUrl":"https://www.ally.com/bank/interest-checking-account/","sourceLabel":"Ally Spending product and CoverDraft help","outcome":"changed","summary":"Scoped fee, domestic ATM reimbursement and CoverDraft opt-in corrections; full-record date retained.","changedFields":["tagline","features","atm","pros","cons","ourTake","termHistory"],"previousHash":"a052291db144179cd8a7101a2e97172d9f90a75444f428c7ed619545d120787d","recordHash":"9076b77ad53342ffb50714e313fb24f7951a4ddfc4ffcfe6e439063efd9ecb23"},{"id":"030d9907-7397-4789-a7ff-3a2aaefce3e4","entityType":"bank-account","slug":"ally-spending-account","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:18.957Z","sourceUrl":"https://www.ally.com/bank/interest-checking-account/","sourceLabel":"Ally Bank Spending Account product page","outcome":"changed","summary":"Tiered APY, $0 fee and ATM terms confirmed; CoverDraft now $100 default/$250 with direct deposit and free Walmart cash deposits added","changedFields":["features","atm","cons","ourTake"],"facts":{"apy":"0.10% under $15k; 0.25% $15k+","monthlyFee":"$0","coverDraft":"$100 / $250 with DD","atmRebate":"$10 per statement cycle"},"previousHash":"86a0523667c7f7eb2bb40c8738abccfc5a75137e7c233d89a5c5239b3128614f","recordHash":"bec2673bd3d243b2a036543233f0e10d14051e6e5d595a9ebb1174cbe2a65dde"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}