Ally $100 Savings Bonus (611.6% Effective APY) - 2026 Review
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Bonus tiers
- $100 for a $60+ deposit
- Availability: Nationwide
- Lifetime limit: one bonus per customer
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 30 days
- Maintenance/hold period: 90 days
- Total practical hold: ~100 days
Bonus Tiers & Effective APY
Overview
Ally currently offers up to $100 through its savings promotion. The headline tier requires $60 and keeps the funds committed for roughly 100 days. That is approximately 608.3% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 30-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Ally's $100 headline payout is closest to Alliant Credit Union's $100 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Ally promotion?
Ally currently offers up to $100. The headline requirement is $60 deposit held for about 90 days.
How much money is required for the Ally bonus?
The highest advertised payout currently requires $60. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 100 days including funding, maintenance, settlement, and a practical payout buffer.
Related Bonus Reviews
Eligibility
New Ally Bank customers only. Cannot have had any Ally account since 1/1/2024. Requires a referral link from an existing Ally customer (can't self-generate). One referral bonus per new customer. Requires 3 consecutive monthly automated recurring transfers of any amount.
Fees
Apply
Ally does not currently publish a separate sign-up bonus for Online Savings; this is its general account page.
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Sources (2)
We last checked this against the bank's page on September 8, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.