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Demand Notes FAQs

  • What are Demand Notes?

    Demand Notes are unsecured floating-rate obligations of Ally Financial. They are a convenient way for members of the Ally family to invest funds directly with Ally Financial.

  • Am I eligible to invest?

    Demand Notes are available to all employees and retirees of Ally Financial, as well as their immediate family members (spouse, children, parents, siblings, and grandparents of the employee or retiree). They are also available to auto dealers with a retail or wholesale financing relationship with Ally Financial, and their employees.

  • Are Demand Notes FDIC insured?

    Demand Notes are not FDIC insured or bank guaranteed. They’re not deposits, but are unsecured floating-rate obligations of Ally Financial that mature on demand.

  • What’s the current Demand Notes rate?

    Visit our Demand Notes page to see current rates and yields.

  • How do I contact the Demand Notes Service Center?

    The Demand Notes Service Center is open Monday through Friday from 8:30 am to 7 pm ET. Call 1-800-684-8823 or email

  • How do I invest in Demand Notes?

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

    Ally Demand Notes  
    The Northern Trust Company
    P.O. Box 75707
    Chicago, IL 60675-5707

  • Can I invest in my Demand Notes electronically?

    Select "electronic investment" in section 5 of the investment form. Electronic investments can be made automatically (at the same time each month) or whenever you want in amounts of $50 or more. You can also make electronic investments online by following your bank’s instructions and using this Automated Clearing House (ACH) information:

    The Northern Trust Company
    ABA Routing Number: 071000152
    10-digit Demand Notes number
    Registered name[s] on the Demand Notes

  • How do I sign up for online access to my Demand Notes?

    Signing up for online access is quick and easy. Go to and select “Enroll now” under the Demand Notes Online Access login area. Have your Demand Notes number handy when you begin the online enrollment process.

  • Can I direct my Social Security check or other recurring checks to my Demand Notes?

    Yes, and you can also direct your paycheck, IRS tax refund or other recurring checks electronically. Give the following Automated Clearing House (ACH) information to the financial institution sending the funds:

    The Northern Trust Company 
    ABA Routing Number: 071000152
    10-digit Demand Notes number
    Registered name[s] on the Demand Notes

  • How do I reset my Demand Notes password?

    Call the Demand Notes Service Center at 1-800-684-8823, Monday through Friday from 8:30 am to 7 pm ET.

  • Why don’t I see my Demand Notes transfer account information?

    Your transfer account information will be available online within 24 hours of enrollment.

  • Which ABA routing number should I use for Demand Notes?

    For ACH and wire transfers, use the ABA routing number that’s printed just above the memo line (071000152). The ABA routing number printed at the bottom of the Ally Demand Note checks (071923828) is used only for Demand Notes check processing.

  • What’s a medallion signature guarantee and why do I need one?

    It’s a way for us to verify that a signature is authentic and is designed to protect you from unauthorized changes by unauthorized persons when you add or change your Demand Notes registration, investment options or redemption options. A notary stamp does not meet the requirement for a medallion signature guarantee. Read the prospectus to learn more about specific circumstances when one is required.

  • How do I get a medallion signature guarantee?

    You can get one from a bank or other financial institution. There may be a charge for the medallion signature guarantee, and the bank or financial institution may require you to provide certain documentation, such as a birth certificate.