In 2026, Ally Bank's main bonus is a $100 savings offer through its customer referral program. Hustler Money Blog reports that it runs until December 31, 2026. The checking bonus has ended.
Ally's Savings Account paid a 3.00% APY as of September 16, 2026. APY (annual percentage yield) is the yearly return on a deposit, with compounding included. To earn the $100, a new customer has to sign up through a friend's link, open the account on time and keep regular deposits going. This guide covers the rates, who qualifies, the steps and deadlines, and what to ask before you apply.
Table of Contents
- What Ally Pays on Savings and Money Market Accounts
- Which Ally Bonuses Are Still Available?
- Who Qualifies for the $100 Savings Offer
- Steps and Deadlines
- Questions to Ask Before You Sign Up
- Frequently Asked Questions
What Ally Pays on Savings and Money Market Accounts
Ally's savings account rates page lists a 3.00% apy on its Savings Account as of September 16, 2026. Ally says the rate is variable, so it can change after you open the account. The 3.00% you see today is not locked in for the months you spend earning the bonus. Ally's rates overview listed the Money Market Account at 0.25% APY on the same date.
That is far below the Savings Account rate. If you are choosing between the two for new money, compare them on the rates page the day you open. For a sense of scale, $10,000 earning 3.00% APY makes about $300 in a year if the rate holds. The $100 bonus adds a one-time amount on top of that interest.
Which Ally Bonuses Are Still Available?
The checking bonus is gone. Ally now has a page titled "Checking Bonus Has Ended: View Next Steps", so any list that still shows an open checking bonus is out of date.
The main route to a bonus now is Ally's customer referral program. It runs under Ally's own Customer Referral Program Terms & Conditions. Both the person who sends the link and the new customer must follow those terms.
Who Qualifies for the $100 Savings Offer
Hustler Money Blog reports that the offer is for new customers who have never had an Ally Spending Account. Ally's checking product is sold as a Spending Account, so anyone who has had one before is probably shut out, even if the account is closed. Check these before you apply:.
- You have never had an Ally Spending Account.
- You have a referral link from a current Ally customer.
- You can set up regular monthly deposits into the new savings account.
Steps and Deadlines
Hustler Money Blog's Ally promotions roundup lists the steps, and each one has its own time limit: The same source says the offer ends December 31, 2026. Because the deposits must continue for three straight months, sign up early enough to finish every step. One missed month can break the streak.
- Sign up through a friend's referral link.
- Open an Ally Savings Account within 30 days of signing up.
- Start monthly automatic transfers or direct deposit within 30 days.
- Keep those deposits going for three months in a row.
Questions to Ask Before You Sign Up
Ask Ally these questions before you move money. The referral terms control the offer, not a summary on another website.
- Does my referral link still work, and do the referral terms cover the $100 savings offer?
- Does a past Ally account of any kind stop me from qualifying?
- Is there a minimum amount for each monthly transfer or direct deposit?
- When is the bonus paid after the third month, and does the account have to stay open until then?
- Is the bonus reported as taxable interest on a 1099 form?
Frequently Asked Questions
Can I still get Ally's checking account bonus?
No. Ally has a page stating that the checking bonus has ended.
Will the 3.00% savings rate stay the same while I work toward the bonus?
Not necessarily. Ally says the rate is variable and can change after the account is opened.
Do I need a referral link to get the $100?
Yes. According to Hustler Money Blog, you have to sign up through a friend's referral link.
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