Ally Bank new account bonus funding deadlines before year end center on Dec. 31, 2026 for enrollment or opening.
Enroll or open the eligible account by that date, then your funding and deposit clocks can finish in early 2027. A referral welcome bonus is $100 for a new Savings or Spending account. Invited customers can pursue separate $300 offers for Spending or investing accounts.
Table of Contents
- What has to happen by Dec. 31?
- How do the referral Savings and Spending clocks work?
- What do the $300 Auto and Invest offers require?
- Who is excluded and when should you move?
What has to happen by Dec. 31?
Ally Bank states enrollment through a referral link must occur by Dec. 31, 2026 on the Paige Bueckers referral page. Sweepstakes entries on that page end at 11:59 p.m. ET that day.
For invited auto customers, first Spending account opening with code allyauto300 must also occur by Dec. 31, 2026. Invited bank and auto customers must open an eligible investing account before Dec. 31, 2026 for the up to $300 investing bonus.
How do the referral Savings and Spending clocks work?
Referral Savings newcomers must open a new Savings account within 30 days of enrollment. According to Ally Bank, they must start a monthly automated recurring transfer or qualifying direct deposit within 30 days of opening, then complete it three months in a row on the referral Savings terms page.
Referral Spending newcomers must open a new Spending account within 30 days of enrollment. They must fund it in any amount within 30 days of opening and receive a qualifying direct deposit within 60 days of opening.
What do the $300 Auto and Invest offers require?
The invited auto offer requires funding the new Spending account in any amount within 30 days to avoid automatic closure. Ally Bank states the account must then receive qualifying direct deposits totaling at least $1,000 per month for two consecutive months, with details on the auto-customer cash offer page.
The first $1,000 month must post within 60 days of opening. The bonus pays within 30 days after the second qualifying month.
Who is excluded and when should you move?
Customers can receive only one $100 welcome bonus. Referral newcomers must have had no Ally Bank account since Jan.
1, 2024. The $300 auto and investing offers require a direct Ally invitation. Investing accounts also face a 180-day holding period after reaching the transfer minimum, with payment within 30 days after it ends, while IRAs, Trusts and Personal Advice accounts are excluded.
- Enroll through an eligible referral link in early December.
- Open the required Savings, Spending, or investing account before Dec. 31.
- Fund within 30 days and start direct deposit or recurring transfer promptly.
- Keep deposits and holding-period balances in place until Ally pays.
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