Ally Bank's headline offer in September 2026 is a $100 bonus on a new Ally Savings Account, paid after three consecutive monthly automated transfers into the account. The separate $300 Ally Spending Account (checking) bonus under promo code GET300 has ended, and Ally now runs a page telling new applicants so directly. Two other live offers sit alongside the savings bonus: $50 per referral for existing customers, up to $250 a year, and up to $200 from Ally Invest for bank customers who have never held an Invest account. The eligibility rules are what decide which of these you can actually claim, and they are unusually strict on the savings side.
Table of Contents
- What the $100 savings bonus requires
- Who is shut out of the offer
- The referral side: $50 each, $250 a year
- Why a household can often claim both
- How the bonus compares to the interest on the balance
- The Ally Invest offer and the retired GET300 checking bonus
- Frequently Asked Questions
What the $100 savings bonus requires
Ally's new-friend offer terms pay $100 on a new Ally Bank Savings Account. You enroll and open the account by 12/31/2026, opening within 30 days of enrollment, and there is no minimum funding required to keep the account open. The qualifying step is the recurring transfer.
Inside the new savings account you set up a monthly automated recurring transfer of any amount, starting within 30 days of opening, and complete at least three back-to-back monthly transfers. Ally's terms state the $100 posts within 30 days of the third transfer. "Any amount" is the part worth noticing. The terms set no dollar floor on the transfer, only that it recurs monthly for three consecutive months, which makes this one of the lower-friction bank bonuses currently available.
- Enroll, then open the savings account within 30 days
- Start a monthly automated recurring transfer within 30 days of opening
- Let three consecutive monthly transfers complete without a gap
- Keep the account open and in good standing until the bonus posts
Who is shut out of the offer
The eligibility rule is the hardest limit on this promotion. Per Ally's terms, nobody who currently holds any Ally product is eligible, and neither is anyone who has had any Ally Bank deposit account open since January 1, 2024. It is strictly a new-money offer. That reaches further than most "new customers only" language.
A savings account you opened in 2024 and closed disqualifies you, as does an unrelated current Ally product. If you are not certain of your history with the bank, that is the thing to check before you spend time enrolling. The account must also stay open and in good standing through payout. Closing it after the third transfer but before the $100 arrives forfeits the bonus.
The referral side: $50 each, $250 a year
Existing customers earn from the other direction. Ally's referral terms pay the referring customer $50 for each of the first five people per calendar year who open and fund an Eligible Account through that customer's Personal Link. The cap is $250 per calendar year, and Ally deposits the reward within 30 days of the friend completing enrollment, opening and funding. Personal Links are stated to work through December 31, 2026.
The terms, revised effective April 7, 2026, also reserve Ally's right to run temporary additional rewards that differ from the standard $50/$250 structure — so the figure a referrer sees can change mid-year. Check the amount displayed on your own Personal Link rather than assuming $50. Because the referral must come through the Personal Link, the order matters: get the link first, and have the new applicant use it to enroll. An account opened independently and then connected afterward does not fit the terms.
Why a household can often claim both
The two offers target opposite audiences, which is the practical opening. The $100 savings bonus is closed to anyone with Ally history back to January 2024; the $50 referral reward requires being a current customer. Neither person can claim both, but one household frequently contains both people.
The arrangement only works when the new applicant is genuinely new to Ally — no current product, no deposit account since January 1, 2024. If they are, the existing customer shares their Personal Link, the new customer enrolls through it and completes the three monthly transfers, and $150 lands across the two accounts. The referral reward is capped at five friends and $250 per calendar year, so this is not a repeatable strategy beyond a small circle of genuinely new applicants.
How the bonus compares to the interest on the balance
Ally lists its Savings Account APY at 3.00% as of 09/16/26 on its online savings page, variable and subject to change after opening, with no minimum balance to open or to earn the rate. That figure is what makes the $100 worth pursuing on a modest balance. At 3.00%, a $1,000 balance earns roughly $30 over a year.
The bonus is more than three times that, and the terms ask only for three recurring transfers of any amount rather than a large deposit held for months. On small balances the promotion dominates the yield entirely. The rate is variable, so it can move after you open. The $100 is a fixed, one-time amount and does not change with the APY.
The Ally Invest offer and the retired GET300 checking bonus
Ally Invest runs a separate promotion of up to $200 for existing Ally Bank customers who have never held an Ally Invest account. Per the offer terms reported by Doctor of Credit, you open a Self-Directed Trading account by 12/31/26, transfer in at least $1,000 within 30 days, and keep it there 90 days. One catch decides the amount: money moved from an existing Ally account earns only $100, not $200, so the full bonus requires outside funds.
The $300 Ally Spending Account bonus under promo code GET300 is finished. Ally's checking bonus next-steps page tells applicants the promotion is over while explaining what customers already enrolled still had to do: $1,000 per month in qualifying direct deposits for two consecutive months, with the first posting within 60 days of opening. If you opened a Spending Account expecting GET300 and were not enrolled before it closed, the direct deposit requirement no longer earns anything. Anyone still inside the enrollment window should confirm the first qualifying direct deposit posts within 60 days of opening, because that clock is what the terms measure against.
Frequently Asked Questions
Does the monthly transfer into the savings account have to be a certain size?
No. Ally's new-friend terms require a monthly automated recurring transfer of any amount, started within 30 days of opening, with three back-to-back transfers completed.
How long after I finish the transfers does the $100 arrive?
Ally's terms state the bonus posts within 30 days of the third consecutive monthly transfer, and the account must remain open and in good standing until then.
I closed an Ally savings account in 2025. Can I get the $100 now?
No. Any Ally Bank deposit account open since January 1, 2024 disqualifies you, whether or not it is still open.
Can I still get the $300 checking bonus if I open a Spending Account today?
No. Ally's own page states the GET300 promotion has ended; the $1,000-per-month direct deposit requirement applied only to customers already enrolled.
Why would I only get $100 from the Ally Invest offer instead of $200?
Funding the new Self-Directed Trading account with money moved from an existing Ally account earns $100. The $200 tier requires transferring in at least $1,000 from outside.
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