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NO dollar limit for internal transfers.
WebCSR over $150, 000: Salesforce Case: subject line: High Dollar Internal Transfer Trust subject line: Trust Funding High Dollar Internal Transfer Case Assignment: Financial Transactions > Internal Transfers > Other
TRANSACTION LIMITS: SAV/MMA: savings deposit account: 10 per statement cycle Not included: ATM withdrawal or transfer
Customer will not get a fee for excessive transactions but they will receive communications when they approach the limit, exceed the limit, and repeatedly exceed the limit. Customer who exceeded the 10-transaction limit for a third time in a 12-month cycle will be considered violations and may be closed.
To view transaction limit in WebCSR: 'Account Summary' Select "US Regulatory" tab > Regulatory D. Current Period
In AOS:
"To view your number of transactions remaining for your current statement cycle, you can click on your Account Details page online at ally.com under your account and routing numbers."
If cx has not expressed a need to complete the transfer within the same business day (not owned by the transferring customer):
"You can also use Zelle, or wire a transfer for faster transaction."
Immediate Internal Transfer:
WebCSR:
Funding Services > Internal Funds Transfer 'From' and 'To' account drop-down menus Amount Terms section: Immediately or Scheduled (Future Dated Internal Transfer, also provide frequency: once-one time, other option: recurring) Review with the Customer Submit
Disclosures:
Transfer Amount Last 4 digits FROM account and account type Last 4 digits TO account and account type Day or date of transfer Turnaround times: Via WebCSR: Immediately, Via Salesforce Case (High Dollar): 1-2 business days.
IMMEDIATE: Not Account Closure:
"Per your request, I am initiating your internal transfer request for $xx.xx, from your Ally Bank [account type, last four], to your Ally Bank [account type, last four], to be completed today. Is this correct? This transfer will be completed immediately."
FUTURE DATED: Not Account Closure: "Per your request, I am initiating your internal transfer request for $xx.xx, from your Ally Bank [account type, last four], to your Ally Bank [account type, last four], to be completed on [MM/DD/YY]. Is this correct? This transfer will be completed on the requested transfer date, immediately after it is begun."
RECURRING: "Per your request, I am initiating your internal transfer request for $xx.xx, from your Ally Bank [account type, last four], to your Ally Bank [account type, last four], to be completed on [MM/DD/YY]. Is this correct? Each transfer will be completed on the recurring transfer date, immediately after it is begun."
HIGH DOLLAR (salesforce): "Per your request, I am initiating your internal transfer request for $xx.xx, from your Ally Bank [account type, last four], to your Ally Bank [account type, last four], to begin processing [today, tomorrow, MM/DD/YY]. Is this correct? The transfer will take 1-2 business days to complete."
EDITING PENDING INTERNAL TRANSFER Only the Amount of a pending internal transfer can be edited.
WebCSR:
Funding Services Pending Internal Transfers Click the radio button for Action Column Click 'Edit' Type new transfer amount (confirm the Change of Amount) Click submit If the frequency needs to be changed, the transfer must be DELETED.
"If you want to cancel this transfer, you can check the status by calling or chatting with us. However, once this transfer starts processing it cannot be cancelled."
See: Article 09376 ACH-ACH Compass Basics
DELETING INTERNAL PENDING TRANSFER
WebCSR:
Funding Services Pending Internal Transfers Click the radio button for Action Column Click 'Delete' Confirmation will pop up (confirm with the customer) Click 'OK'