Ally Bank account forms are downloadable PDFs you complete and return by secure message, mail, or fax rather than at a branch. Every form sits in the Help Center forms library at ally.com/help/bank/, organized by account type: checking and savings, trusts and estates, and IRA plans. Physical paperwork goes to Ally Bank, PO Box 951, Horsham, PA 19044, or by fax to 866-699-2969. Signed forms can also be attached to a secure message from inside your online account.
Opening a New Account
The joint or single account application is available as a PDF, though most people apply online at ally.com/open-account/.1Ally Bank. Personal Banking Help and FAQs You’ll enter your full legal name, date of birth, U.S. street address, Social Security number or Individual Taxpayer Identification Number, and the account type you want (checking, savings, money market, or CD). Accounts are open only to U.S. citizens and legal permanent residents; the bank does not open accounts for non-resident aliens.2Ally Bank. Opening an Account FAQs You must be at least 18. A P.O. box alone won’t satisfy the address requirement.
The identifying information Ally collects mirrors what federal Customer Identification Program rules require every bank to gather: name, date of birth, street address, and taxpayer identification number.3eCFR. 31 CFR 1020.220 – Customer Identification Program Requirements for Banks Ally may also request a driver’s license or other government ID. If you applied for a taxpayer identification number but haven’t received it yet, proof of the filed application will let the bank proceed.
For joint accounts, every applicant provides the same identifying information. If you’re a new customer on the paper form, you’ll also set a security question and answer and provide your mother’s maiden name. Fund the account with a check enclosed with the application, an ACH transfer from another bank, or a transfer from an existing Ally account. Ally does not accept cash by mail, foreign currency, or savings bonds.
Direct Deposit Enrollment
The Direct Deposit Enrollment Form is what you hand to your employer or benefits provider.4Ally. Ally Bank Direct Deposit Form If your employer uses its own form, you only need two numbers: Ally Bank’s routing number, which is 124003116 for all accounts, and your account number, which appears in your online dashboard under account details.5Ally Bank. Direct Deposit FAQs
Ally’s form lets you split each deposit across up to two Ally accounts, either as a percentage or a fixed dollar amount, with any remainder going to a designated account. Sign and date the bottom, hand it to your employer, and expect one to two pay periods before direct deposit takes effect. Verify the routing and account digits before you submit. A transposition can bounce the transfer back to your employer and delay your pay by a full cycle.
Beneficiary Election Form
The Beneficiary Election Form designates who receives your checking, savings, money market, or CD funds when you die, without probate.6Ally. Beneficiary Election Form You can name up to 10 beneficiaries per account and pick between two designations: Payable on Death (POD) or In Trust For (ITF). The form is available as a PDF or through the Beneficiaries page in your online dashboard.
For each beneficiary you’ll select a classification (individual, non-profit or charity, or other) and provide a valid government-issued ID number. FDIC rules require Ally to keep complete beneficiary records, and expanded FDIC coverage may apply to individual and nonprofit beneficiaries. The “other” classification may carry limited or no FDIC insurance, so use it only when the individual and nonprofit options don’t fit.
Multiple beneficiaries default to equal shares. To set unequal percentages, adjust them on the Beneficiaries page online or call customer support. Two related forms exist for other account types: Ally Invest brokerage accounts use a separate Transfer on Death Beneficiary Designation Form that collects each beneficiary’s name, Social Security number, date of birth, address, and share percentage,7Ally. Ally Invest Transfer on Death Beneficiary Designation Form and IRA beneficiary changes use the Change of Beneficiary form in the IRA section of the forms library.
Trust Conversion Request
To retitle an existing Ally Bank account under a trust, use the Trust Conversion Request form. Conversion keeps your existing account number and history, but every current owner must sign because ownership transfers to the trust entity.8Ally. Trust Conversion Request Form
Submit the form with either a Certification of Trust or a full copy of the trust agreement. The agreement documents must include the trust’s formal name, the grantors and trustees, notarized signature pages, any amendments, trustee powers and succession provisions, and a list of beneficiaries. Include a death certificate for any deceased grantor or trustee. Each trust, grantor, and trustee who doesn’t already hold an Ally account must also submit a signed IRS Form W-9.
Two consequences to know before you convert. Any existing Payable on Death or In Trust For beneficiaries on the personal account are removed, because the trust agreement now governs distribution. And if you aren’t named as a trustee in the trust document, you’ll lose access to the account entirely once it converts.
Custodial Account Application
The Custodial Account Application opens a savings, checking, or CD for a child.9Ally. Custodial Account Application The account title reflects either the Uniform Transfers to Minors Act (UTMA) or the Uniform Gifts to Minors Act (UGMA) based on the minor’s state of residence. Custodial accounts are available to residents of the United States, Guam, and the U.S. Virgin Islands.
You’ll provide the child’s name, date of birth, Social Security number, and address, along with your own information as custodian. New customers without an existing Ally account will also complete a W-9 and set up security questions. Submit by secure message, mail, or fax.
Power of Attorney
Granting someone authority over your Ally account requires two documents. The first is a formal Power of Attorney, which is the legal instrument you draft outside the bank (typically with an attorney) spelling out what authority your agent has. The second is Ally’s own Power of Attorney (Attorney-in-Fact) Information form, which captures the agent’s identifying details so the bank can verify them.10Ally Bank. Power of Attorney (Attorney-in-Fact) Information
Both you and the agent sign the Account Agreement section of Ally’s form. If the agent is new to Ally, they’ll provide a security question and their mother’s maiden name for verification. Ally can reject a Power of Attorney that doesn’t explicitly grant authority over deposit accounts, or if the bank can’t verify the agent’s identity. Certain actions, including changing beneficiary designations or creating survivorship rights, require the Power of Attorney to expressly grant that specific authority, so make sure the legal document covers what you actually need the agent to do.
IRS Form W-9 and Backup Withholding
Ally needs a completed IRS Form W-9 so it can report your interest earnings to the IRS each year.11Internal Revenue Service. About Form W-9, Request for Taxpayer Identification Number and Certification You enter your name, address, and Social Security number or Employer Identification Number, then sign a certification that the information is correct and that you’re not subject to backup withholding.
Skip the W-9, or submit one where the name and taxpayer identification number don’t match IRS records, and the bank must withhold 24% of your interest and send it to the IRS as backup withholding.12Internal Revenue Service. Publication 15 (2026), (Circular E), Employers Tax Guide You’d recover the money when you file your return, but until then it sits with the Treasury instead of earning interest. The fix is to make sure the name on your W-9 matches your Social Security card exactly. Maiden versus married name mismatches are the most common trigger.
How to Sign and Submit
Every form that requires a signature must be signed in wet ink or with a placed digital signature. Typed signatures, meaning your name simply typed into a signature field, are rejected across the board.
Three channels accept completed forms, all routing to the same operations team:
- Secure messages. Log into ally.com, go to Profile and Settings, then Secure Messages, start a new message, and attach the PDF. On the mobile app, tap Menu, then Documents and Forms.
- Mail to Ally Bank, PO Box 951, Horsham, PA 19044.13Ally Bank. Account Information FAQs
- Fax to 866-699-2969, with “Operations” in the subject line.10Ally Bank. Power of Attorney (Attorney-in-Fact) Information
If you’re sending several forms at once, such as a trust conversion plus a W-9, keep them together in one secure message or one envelope so nothing gets separated during processing.
Closing an Account
Close an account by calling 877-247-2559 or sending a written request to the Horsham address.13Ally Bank. Account Information FAQs Before you contact the bank, wait for pending checks to clear, move automatic bill payments and direct deposits to another account, and confirm a positive balance. Automatic debits that hit a closed account will bounce, which can trigger late fees from billers. Transfer any remaining funds to another Ally account or a linked external bank first. If interest has accrued but not yet posted, ask customer support when the final interest payment will be issued so you don’t leave money behind.
Reporting Unauthorized Transactions
If you see a transaction you didn’t authorize, federal law gives you 60 days from the date the statement was sent to report it and receive full protection. Miss that window and you can be liable for unauthorized transfers that occur between the end of the 60-day period and the date you actually notify the bank.14eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers Call 877-247-2559 or use the secure message center to flag the disputed transaction, and keep records of every communication, including screenshots, the date you reported the issue, and any reference numbers Ally provides.