Investor Relations: FAQs

Frequently asked questions

  • What are Demand Notes?

    Demand Notes are a convenient way for members of the Ally/GMAC/GM/Chrysler family to invest funds directly with Ally Financial. Get a favorable rate of return, daily compounded interest, easy access to funds, and much more.
  • Will the ResCap bankruptcy filing affect Demand Note holders?

    No. Demand Note holders are not affected by the ResCap bankruptcy filing. Demand Notes are unsecured debt obligations of Ally Financial, not ResCap. Ally Demand Note holders will continue to have access to funds and can expect the same service as usual.
    Learn more>>

  • Am I eligible to invest?

    Demand Notes are available to all employees and retirees of Ally/GM/GMAC/Chrysler and their subsidiaries, as well as their immediate family members (spouse, children, parents, siblings, and grandparents of the employee or retiree); GM and Chrysler dealers and their employees; and GM and Chrysler stockholders and suppliers.
  • Are Demand Notes FDIC-insured?

    Demand Notes are not FDIC-insured. They're unsecured floating-rate obligations of Ally Financial that mature on demand.

  • What is the current rate?

    Click here to get the current rate.
  • How do I contact the Demand Notes Service Center?

    The Demand Notes Service Center is open Monday through Friday from 8 AM to 7 PM ET. The phone number is 1-800-684-8823.
  • How do I begin investing in Demand Notes?

    For complete details, rules, and policies, you should first read the prospectus and ensure that you are eligible to invest (see eligibility requirements above). To get started, simply complete and mail the investment form (along with your initial investment of at least $1,000) to:

    Ally Demand Notes  
    The Bank of New York Mellon 
    P.O. Box 535030
    Pittsburgh, PA 15253-5030

  • Can I invest into my Demand Notes electronically?

    If you wish to invest electronically, select “electronic investment” in section 5 of the investment form. Electronic investments can be made automatically (same time each month) or whenever you want in amounts of $50 or more. You can also make electronic investments online using your pre-established banking instructions. For wire investments, use the following automated clearing house (ACH) instructions:

    Bank of New York Mellon, Pittsburgh, PA
    ABA: 043000261
    14-digit Demand Notes number
    Registered name[s] on the Demand Notes

  • How do I access my Demand Notes online?

    First time users must complete the online registration process after your note has been successfully opened.
    • Go to
    • Click on the "Access Demand Notes" button
    • The screen where you log in will present you with two links for registration: individual, joint, and custodial notes; and business and trust notes. Click on the appropriate link for your notes type and follow the instructions below.
  • Can I direct my Social Security check or other recurring checks to my Demand Notes?

    Yes, you can direct your Social Security check, paycheck, IRS tax refund, and other recurring checks electronically. You will need to provide the following automated clearing house (ACH) instructions to the financial institution sending the funds:

    Bank of New York Mellon, Pittsburgh, PA
    ABA: 043302493
    14-digit Demand Notes number
    Registered name[s] on the Demand Notes

  • How do I reset my password?

    Call the Service Center at 1-800-684-8823, Monday through Friday from 8 AM to 7 PM ET. Enter your Demand Notes number and PIN, and then press # to speak with a customer service representative. You can also reset your password online if you’ve completed the online Forgot Password Registration form.
Log in to Demand Notes