Hi this is  Dioven! Thanks for messaging with me today, here at Ally Customer Care. How may I help you?

hello Dioven! thank you so much for accepting my chat. I would like to close an account/

I’m sorry to hear that you’ll be closing your account, but I can certainly help you with that today.

If you don't mind me asking, why do you want to close this account?

aww! I need to reduce some of my bank accounts and I think I need to close 1 of my CD accounts.


My name is Steve Jobs.

No worries, I understand where you are coming from, Steve. Thank you for reaching out. Let us work on this together. I will now pull up your account.
Just to clarify, is the account yuo want to close is one of your CD?

*you

Yes, It's a CD account ending in 0978

Thank you for providing me that information, Steve. Please give me 1-2 minutes to review your account.

Take your time.

I was able to locate your CD account ending in 0978, Steve.

That's good. can you close it?

I can see here that your CD is not on maturity yet, Steve. If you want to close this now, you will have an Early Withdrawal Penalty. Are you aware of that?

Oh! I'm sorry for that but I am not aware of it.
Can you provide more about it?

Sure! Except for the 11 month No Penalty CD, for CDs ranging from 3 months to 2 years, the penalty for early withdrawal is 60 days of interest.

Do you want to proceed with closing your CD ending in 0978, Steve?

Hmm. Thank you for the info Dioven, But yes I understand all of it now. Can we proceed with account closure?

Once we close your CD, we need to move all your funds out of your account Steve. You can make an internal transfer to your another Ally account, or to an external bank, or you can also request to have it send via Cashier's check.

hmm can you request to process it funded to my existing account?
internal transfer I mean.


Of course, Steve. Before we proceed I want you to be reminded of the following:

Please note that interest is calculated and applied before an account is closed. We can send any remaining balance by internal transfer, check, ACH to an external bank, or wire transfer.

Since we compound daily interest, even when the balance is $0, and all funds have been moved, we must require in the event any interest is owed to you.

Again, just to confirm, you want your remaining balance to be send to one of your Ally account. Is this correct?

That's correct.

Can you confirm which Ally Bank account it is and its last 4 digits?

That would be to my Spending account ending in 3625.

Thank you for providing that, Steve. I will now start to process your request. Please allow me 4-6 minutes to initiate an internal transfer so we can proceed with closing your CD.

Thanks Take your time.

Steve, thank you for holding.

I still need more time. Can you allow me 5 more minutes to make sure that I will close your CD with our correct standard process.


Per your request, I am initiating your internal transfer request for $200,289.95 plus your accrued interest $4,258.94 minus the Early Withdrawal Penalty amounting to $829.07  from your Ally Bank Raise Your Rate Certificate of Deposit ending in 0978, to your Ally Bank Spending ending in 3625, to be completed today. Is this correct? This transfer will be completed immediately.

Alright, Thank you so much Dioven.
Can you confirm if the following information above if that is correct to you, Steve?

yep! that's perfect.

Is there a self service option if I want to close my account in the future?

Thank you for your patience. I have successfully closed your Raise Your Rate CD account ending in 0978.  You can check if your funds have been sent to your Spending account ending in 3625.

Of course! If you want to close your CD account moving forward, you can do it online. Just go to our desktop site at ally.com and from your main page click on "Manage CDs".

From there, you can click on the Early Withdrawal option and you can choose how you can move your funds from either check or have it sent to another Ally account or linked external accounts.

Here is also a short video instructions for you, Steve:
(Video: Manage your CD online)

Will there be anything else I can assist you with today?

Awesome! Thank you so much for that.

That would be it.

Perfect! Again, this is Jane and I am glad to provide assistance with your CD inquiry today. If you have time, there will be a brief survey after we disconnect about your interaction with me today. We value your feedback and appreciate any you have to offer.

Thank you for messaging with me today, and for being a valued Ally customer. Please remember we are available 24/7 to assist you with your online banking needs at Ally.com, or by phone at 1-877-247-ALLY (2559). Have a wonderful day!