Ally Bank’s routing number is 124003116 for all customers nationwide — used for ACH transfers, direct deposit, and domestic wire transfers. Because Ally is an online-only bank with no physical branches, there is only one routing number regardless of your state of residence. For international wires sent to your Ally account, the SWIFT code is ABORUMM. Unlike traditional banks that assign state-specific routing numbers, Ally’s single-number system makes setup straightforward for payroll, tax refunds, and linking external accounts.
Ally Bank Routing Number at a Glance
| Transaction Type | Number |
|---|---|
| ACH transfer / direct deposit | 124003116 |
| Domestic wire transfer | 124003116 |
| International wire (SWIFT/BIC) | ABORUMM |
The routing number 124003116 begins with “12,” placing Ally in the Federal Reserve Bank of San Francisco district. This reflects Ally’s operational roots in Utah, where the bank is chartered, even though its corporate headquarters is in Charlotte, North Carolina. For a full list of routing numbers at all major banks, see routing numbers by bank.
How to Find Your Ally Bank Routing Number
Ally mobile app: Open the app → tap your account → select “Account details.” The routing number (124003116) is listed alongside your full account number.
Ally online banking: Log in at ally.com → click your account → find “Routing number” under account details.
On an Ally check: The routing number is the first 9 digits printed on the bottom-left of the check, followed by your account number. For an explanation of what each number on a check means, see routing number vs. account number.
Customer service: Call Ally 24/7 at 1-877-247-2559 to verify your routing number over the phone.
When You Need Ally’s Routing Number
| Transaction | Routing Number Needed |
|---|---|
| Employer payroll / direct deposit | Yes — 124003116 |
| IRS tax refund direct deposit | Yes — 124003116 |
| State tax refund | Yes — 124003116 |
| Linking an external bank for transfers | Yes — 124003116 |
| Setting up autopay for bills | Yes — 124003116 |
| Linking Venmo, PayPal, or Cash App | Yes — 124003116 |
| Transferring between your own Ally accounts | No — use internal transfer in the app |
| Sending or receiving Zelle payments through Ally | No — uses your mobile number or email |
For direct deposit setup specifically, you’ll provide your employer’s payroll department with routing number 124003116 and your full Ally checking account number. Most employers process direct deposit changes within 1–2 pay cycles. For more on direct deposit timing, see when does direct deposit hit.
Receiving a Domestic Wire Transfer at Ally
Provide the sender with the following:
| Field | Value |
|---|---|
| Routing number (ABA) | 124003116 |
| Account number | Your Ally account number |
| Account holder name | Your full name as it appears on the account |
| Bank name | Ally Bank |
Ally does not charge a fee for incoming domestic wire transfers. Funds typically appear in your account the same business day the wire is sent, provided it’s sent before the sending bank’s cutoff time. For more on domestic wire timing, see wire transfer time.
Receiving an International Wire Transfer at Ally
For someone sending you a wire from outside the United States:
| Field | Value |
|---|---|
| SWIFT/BIC code | ABORUMM |
| Bank name | Ally Bank |
| Bank address | P.O. Box 951, Horsham, PA 19044 |
| Account number | Your Ally account number |
| Account holder name and address | As it appears on your Ally account |
Ally does not charge a fee for incoming international wire transfers. International wires typically take 1–5 business days to arrive depending on the originating country and number of correspondent banks in the chain. Ally does not offer outgoing international wire transfers — if you need to send money internationally, you’ll need to use a service like Wise, or initiate the wire from a bank that offers outgoing international wires.
ACH vs. Wire Transfers at Ally
| Feature | ACH Transfer | Domestic Wire |
|---|---|---|
| Routing number | 124003116 | 124003116 |
| Speed | 1–3 business days | Same business day |
| Incoming fee | Free | Free |
| Outgoing fee | Free | $20 |
| Initiate via | App or website | Phone only (1-877-247-2559) |
| Best for | Payroll, bill pay, routine transfers | Time-sensitive or large payments |
For most routine transfers, ACH is the better choice — it’s free in both directions and can be initiated through the Ally app or website. ACH transfers between Ally and a linked external bank typically arrive in 1–3 business days. Wire transfers cost $20 outgoing and require a phone call, but settle the same business day for time-sensitive needs. For Ally’s full transfer limits, fees, and cutoff times, see the Ally Bank transfer limit guide. For full details on wire fees across banks, see bank wire transfer fees.
Ally vs. Traditional Banks: Routing Number Differences
Unlike Chase or Bank of America, which assign different routing numbers depending on the state where your account was opened, Ally Bank uses a single routing number for all customers nationwide. This is one of the practical advantages of online banks — you never have to look up which of several routing numbers applies to your account.
| Bank | Routing Numbers | Varies by State? |
|---|---|---|
| Ally Bank | 1 (124003116) | No |
| Chase | 24+ | Yes |
| Bank of America | 12+ | Yes |
| Wells Fargo | 7+ | Yes |
| Discover Bank | 1 | No |
| Marcus by Goldman Sachs | 1 | No |
Ally Bank Background
Ally Bank was originally GMAC Bank, the retail banking arm of General Motors’ finance division. It was rebranded as Ally Bank in 2010 as part of GMAC Financial Services becoming Ally Financial. Ally is FDIC-insured, chartered in Utah, and operates entirely online — no physical branches. Its routing number 124003116 is a Utah ABA routing number assigned by the Federal Reserve Bank of San Francisco district.
For a full review of Ally’s accounts, rates, and features, see Ally Bank review. For the best current savings rates including Ally’s, see best high-yield savings accounts.
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