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  #1  
Old 11-16-2014
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Default Ally.com + Discover.com

Hi

I'm wondering if Ally.com bank and Discover.com bank allow users to receive deposits in alias (i.e, different names)? In other words, I want to link my stealth paypal account to my Ally / Discover checking account but my Paypal account is not in my real name (whereas my Ally / Discover accounts are). Will this work?

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  #2  
Old 11-16-2014
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Default Re: Ally.com + Discover.com

Best thing to do is to have a search on the forum to see what reports are about RE these banks
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  #3  
Old 11-16-2014
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Default Re: Ally.com + Discover.com

Ally is known to NOT be good for mismatched names. Stay away from that one.
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  #4  
Old 11-16-2014
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Default Re: Ally.com + Discover.com

Discover is also an extremely strict and conservative bank. I don't see them getting relaxed any time soon.
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Old 11-20-2014
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Default Re: Ally.com + Discover.com

So which banks do not mind mismatching and don't have min account balance?

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Old 11-21-2014
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Default Re: Ally.com + Discover.com

I know discover is strict, not sure about ally.
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Old 11-21-2014
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Default Re: Ally.com + Discover.com

BOA, TDBank, Capitalone..all works for me. Still haven't try linking my Ally yet, maybe i'll set up an account later and try it out.
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Old 11-21-2014
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Default Re: Ally.com + Discover.com

Quote:
Originally Posted by pennslmmer View Post
BOA, TDBank, Capitalone..all works for me. Still haven't try linking my Ally yet, maybe i'll set up an account later and try it out.
Cap One really wow that is crazy I thought they were the worst out there
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  #9  
Old 11-21-2014
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Default Re: Ally.com + Discover.com

Welcome to the forums agag2 - best look at OTHER bank institutions
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Old 11-21-2014
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Default Re: Ally.com + Discover.com

Quote:
Originally Posted by pennslmmer View Post
BOA, TDBank, Capitalone..all works for me. Still haven't try linking my Ally yet, maybe i'll set up an account later and try it out.
Are you sure capital one works? I thought they where suppose to be bad in this respect..? Can you confirm once again?
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Old 11-21-2014
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Default Re: Ally.com + Discover.com

CapitalOne and Ally are banks that work for some people and not others. They also can shut you down at any time in regards to mismatched deposits. As long as you have a choice, I would go with many other banks before even thinking about one of those. I can't remember anyone ever having problems with mismatched deposits with the big banks - BOA, Chase, WF, Citi, etc. PNC and USAA are two others that I have experience with that works.
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  #12  
Old 11-21-2014
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Default Re: Ally.com + Discover.com

No problems here with Wells Fargo
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Old 11-22-2014
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Default Re: Ally.com + Discover.com

capital one is probably the best of the 4 that i'm using. it was a pain in the a-- to sign up. they will restrict your account if you can't verify your identity 100%. however, the best part with capitalone is once everything works, i can have more than one saving accounts and it only take 2 seconds to open the second one.
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Old 11-22-2014
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Default Re: Ally.com + Discover.com

Quote:
Originally Posted by plumsake2 View Post
CapitalOne and Ally are banks that work for some people and not others. They also can shut you down at any time in regards to mismatched deposits. As long as you have a choice, I would go with many other banks before even thinking about one of those. I can't remember anyone ever having problems with mismatched deposits with the big banks - BOA, Chase, WF, Citi, etc. PNC and USAA are two others that I have experience with that works.
BOA, Chase, WF, Citi, etc. PNC and USAA - Great, thanks for list of banks that work.

Do these banks require a minimum account balance or else they charge fees? If yes can you kindly confirm which do have such requirements and which do not? I'm asking because I plan on creating a great number of accounts and I cannot retain a min balance in each account to avoid fees..

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  #15  
Old 11-22-2014
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Default Re: Ally.com + Discover.com

USAA is the only know I know for certain that doesn't charge any sort of monthly maintenance or minimum balance fees, but you have to have been in the military or be related to someone who was.

All of the others have either monthly maintenance fees, minimum balance requirements, or both. If you're a student then you can have those fees waived. Otherwise you'll have to deal with balance requirements. Each bank outlines their specific fees on their website when opening an account.
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Old 11-23-2014
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Default Re: Ally.com + Discover.com

Quote:
Originally Posted by pennslmmer View Post
capital one is probably the best of the 4 that i'm using. it was a pain in the a-- to sign up. they will restrict your account if you can't verify your identity 100%. however, the best part with capitalone is once everything works, i can have more than one saving accounts and it only take 2 seconds to open the second one.
hmm.. just tried signing up and got rejected due to no credit history.. Any others besides Ally (that do not have min balance requirement?)? And you can apply online?

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  #17  
Old 11-23-2014
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Default Re: Ally.com + Discover.com

BMO Harris
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  #18  
Old 11-23-2014
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Default Re: Ally.com + Discover.com

Navy Federal Credit Union only requires $5 to open a account but you need to be a veteran or work for a Defense contractor.
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  #19  
Old 11-24-2014
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Default Re: Ally.com + Discover.com

Before you go opening accounts all willy nilly, check this
Bank Account Checking & Savings: Soft Pull or Hard Pull?

Since these accounts are tied to YOU, it would not look good to rack up lots of "hard pulls" on your credit report in a short period. Those stay on for 2 years. "Soft pulls" are like checking your credit score, and do not show up at all (or do as a numeric value, no implications).
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  #20  
Old 11-24-2014
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Default Re: Ally.com + Discover.com

Multiple hard credit pulls for the same task in a reasonable time frame does not effect your score as more than one hard pull
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