Ally Bank Routing Number: One Number, Every Account

What is the Ally Bank routing number?

Ally Bank's routing number is 124003116. Unlike traditional banks that assign different routing numbers by state, Ally uses one routing number for every customer regardless of location. This is one of the advantages of being a digital-first bank: without legacy branch networks from acquisitions, there is no patchwork of inherited routing numbers to maintain.

Ally Bank was originally founded as GMAC Bank (the banking arm of General Motors' financing division) and rebranded as Ally in 2010. When the rebrand happened, Ally consolidated its banking operations under a single charter based in Utah, which is why the routing number, 124003116, begins with 12, the prefix for the Federal Reserve Bank of San Francisco's Salt Lake City processing center.

Using the Ally Bank routing number

The routing number 124003116 works for all Ally Bank transaction types: ACH transfers, direct deposit, bill pay, and domestic wire transfers. This applies to Ally checking accounts, savings accounts, money market accounts, and CDs.

This single-number simplicity is a significant practical advantage. When setting up direct deposit or autopay, you never have to wonder which routing number to use - it is always 124003116.

Ally Bank wire transfer details

For domestic wire transfers, the routing number is the same: 124003116. Ally Bank's SWIFT code for incoming international wires is ALBIUS44. Because Ally is an online-only bank, wire transfers must be initiated through Ally's online banking platform or mobile app.

Ally charges $20 for outgoing domestic wire transfers - lower than most traditional banks - and does not charge for incoming wires. International outgoing wires are not supported through Ally directly; customers needing to send international wires must use a third-party service.

How to find your Ally Bank routing number

You can find the routing number in the Ally mobile app by tapping on your account and viewing account details. On Ally's website, navigate to your account and the routing number is displayed under account information. Ally also prominently lists the routing number on their customer support pages.

Since Ally does not issue paper checks for savings accounts, the mobile app and website are the primary methods for confirming your routing number. Ally checking accounts do include an optional debit card and checkbook where the routing number is printed in the standard bottom-left position.

How Slash takes digital banking further for businesses

Ally proved that a branchless bank could win consumer trust with simplicity and transparency. Slash applies the same philosophy to business banking - but goes further with tools specifically designed for companies: unlimited virtual and physical cards with real-time spend controls, built-in expense management, and direct accounting integrations.

Like Ally, Slash keeps things simple with straightforward account details. Unlike consumer-focused banks, Slash is built from the ground up for the workflows that finance teams actually use.