Ally Bank uses a single routing number for all customers: 124003116. As an online-only bank, Ally doesn’t have physical branches or state-specific routing numbers — no matter where you live in the US, you use the same number for ACH, direct deposit, and wire transfers.
Ally Bank Routing Number
| Transaction Type | Number |
|---|---|
| ACH / direct deposit | 124003116 |
| Domestic wire transfer | 124003116 |
| International wire (SWIFT) | ABORUMM |
Unlike traditional banks such as Chase or Bank of America that have different routing numbers for each state, Ally keeps things simple with one number for everything. This is a common advantage of online banks — you never need to figure out which routing number to use.
How to Find Your Ally Bank Routing Number
1. Ally Mobile App
Open the Ally app → tap on your account → select “Account details.” Your routing number (124003116) is listed alongside your account number.
2. Ally Online Banking
Log in at ally.com → click on your account → look for “Routing number” in the account details section.
3. On an Ally Check
If you have Ally interest-bearing checking with checks, the routing number 124003116 appears as the first 9 digits on the bottom-left of the check, followed by your account number.
4. Customer Service
Call Ally Bank 24/7 at 1-877-247-2559 to verify your routing number.
Receiving a Wire Transfer at Ally Bank
For someone sending you a domestic wire, provide:
| Information | Details |
|---|---|
| Routing number | 124003116 |
| Account number | Your Ally account number |
| Account holder name | Your full name as on the account |
For international wire transfers to your Ally account:
| Information | Details |
|---|---|
| SWIFT/BIC code | ABORUMM |
| Bank name | Ally Bank |
| Bank address | P.O. Box 951, Horsham, PA 19044 |
| Your account number | Your Ally account number |
| Your name and address | As it appears on your account |
Ally Bank does not charge a fee for incoming domestic or international wire transfers. However, outgoing domestic wires cost $20 and must be initiated through customer service.
When You Need Ally’s Routing Number
| Transaction | Routing Number? |
|---|---|
| Setting up employer direct deposit | Yes — 124003116 |
| IRS tax refund | Yes — 124003116 |
| Linking external bank for transfers | Yes — 124003116 |
| Autopay for bills | Yes — 124003116 |
| Linking to Venmo, PayPal, Cash App | Yes — 124003116 |
| Transferring between Ally accounts | No — use internal transfer |
| Zelle payments through Ally | No — uses email or phone |
Ally makes it easy to transfer money between your own Ally accounts (checking ↔ savings) without needing the routing number — those are internal transfers handled within the app.
Ally Bank Background
| Fact | Detail |
|---|---|
| Original name | GMAC Bank (General Motors) |
| Rebranded | 2010 — became Ally Bank |
| Headquarters | Charlotte, NC (operational in Sandy, UT) |
| FDIC insured | Yes — member FDIC |
| Physical branches | None — online only |
| Routing number origin | 124003116 is a Utah ABA number |
Ally’s routing number begins with “12,” which places it in the Federal Reserve Bank of San Francisco district. This reflects the bank’s operational roots in Utah, even though its corporate headquarters is in Charlotte, North Carolina.
ACH vs Wire Transfers at Ally
| Feature | ACH Transfer | Wire Transfer |
|---|---|---|
| Routing number | 124003116 | 124003116 |
| Speed | 1–3 business days | Same day |
| Cost (incoming) | Free | Free |
| Cost (outgoing) | Free | $20 domestic |
| Initiate via | App or website | Phone only |
| Best for | Routine transfers, payroll | Time-sensitive payments |
For most transactions, ACH is the better choice at Ally — it’s free both ways and can be initiated through the app. Ally’s ACH transfers between linked external accounts typically arrive in 1–3 business days.
Bottom Line
| Question | Answer |
|---|---|
| Routing number | 124003116 |
| Same for all customers? | Yes — one number nationwide |
| Wire transfer number | 124003116 (same) |
| SWIFT code | ABORUMM |
| Incoming wire fee | Free |
| Outgoing wire fee | $20 domestic |
| Best way to verify | Ally app → Account details |