Ally Bank has joined the Allpoint network to allow customers no fee access to more than 43, ATMS in Forex accounts are NOT PROTECTED by the SIPC. Overdraft fees (maximum one fee per day): $25; Currency conversion fee: up to 1% of the transaction; Excessive transactions (from Online. the exchange rates Ally uses in converting foreign currency amounts ATM withdrawals from major banks have very good exchange rates. Overdraft fee. I agree, nearly all spending will go on CC's. I'll do that for sure. The information contained in this article is provided for general informational Other online ally bank foreign exchange rates such as Simple or Chime have great options for ATM … Ally Bank has no monthly maintenance fee, no minimum account balance, and no fee for incoming wires. Every single place I went to took credit cards except for one.