If you already hold an Ally Spending Account, you generally cannot earn a checking bonus on it. Ally Bank calls its checking product the Spending Account, so bonus terms apply to opening a new Spending Account. No general public checking bonus is currently open to join. Ally Bank closed its public GET300 signup and ended its SPEND300 offer.
Table of Contents
- Why does an existing account disqualify you?
- Do targeted offers include existing checking holders?
- What does the active Ally Auto promo require?
- What actions actually earn the $300?
Why does an existing account disqualify you?
The closed GET300 terms required opening a first Spending Account with code GET300. That first-account rule left out people who already held one.
According to Ally Bank, those terms are explained on the GET300 next-steps page. You cannot requalify by opening a second account under the same closed offer. The offer status controls eligibility, not account activity.
Do targeted offers include existing checking holders?
No, the targeted SPEND300 checking offer did not cover the general existing-checking population. It was limited to current Savings Account customers specifically selected and notified by Ally email.
Selection mattered more than holding an Ally account. Without that direct email notice, an existing checking holder did not qualify.
What does the active Ally Auto promo require?
Ally Bank has an active Ally Auto $300 Spending Account promo for selected Ally Auto customers. It requires being an Ally Auto customer when opening, using code allyauto300 by 12/31/2026, and having been selected and emailed directly by Ally, as described in the Auto customer cash offer. An existing Spending Account holder without Auto status and an invitation does not fit this path.
- Be an Ally Auto customer at account opening
- Receive a direct selection email from Ally
- Open with code allyauto300 by 12/31/2026
What actions actually earn the $300?
Funding any amount within 30 days prevents closure. Then you must post qualifying direct deposits of at least $1,000 monthly for two consecutive months, with the first month within 60 days. The account must stay open and in good standing.
Ally Bank pays the $300 within 30 days after the second consecutive qualifying month. Moving money from savings, CDs, IRAs, trust, custodial, or other excluded accounts into checking does not earn it. A separate $100 referral path uses a new Savings Account, monthly transfers or direct deposits for three straight months, and allows only one welcome bonus per person.
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