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Demand Notes FAQs

  • What are Demand Notes?

    Demand Notes are a convenient way for members of the Ally family to invest funds directly with Ally Financial. Get a competitive rate of return, daily compounded interest, easy access to funds, and much more.

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

    Signing up for online access is quick and easy. Please visit and select Enroll now under "Demand Notes Online Access" to get started. Please have your Demand Notes number available when you begin the online enrollment process.

    Some of the features available to you online are as follows:

    • View 18 months of transaction history
    • Check your balance
    • Obtain check and statement copies
    • Set up alerts to be notified of account activity
    • Available 24 hours / 7 days a week
  • What is the current Demand Notes rate?

    Click here to get the current rate.
  • Are Demand Notes FDIC-insured?

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

  • 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); Ally Financial dealers and their employees.

  • How do I begin investing 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?

    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 electronic investments, use the following Automated Clearing House (ACH) instructions:

    1. ACH instructions

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

  • 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:

    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 password?

    Call the Service Center at 1-800-684-8823, Monday through Friday from 8:30 AM to 7 PM ET.

  • 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. The phone number is 1-800-684-8823. You can also email the service center at

  • Where may I find information on Demand Notes?

    View the Demand Notes section of our website.

  • Why did Ally choose a new processing agent for Demand Notes?

    The change in agents enabled Ally to provide a more robust online platform and the opportunity to introduce new product features. The administration of the Demand Notes program moved to the new processing agent. The Northern Trust Company, on July 1, 2013.

  • There are two Demand Notes ABA routing numbers. Which one should I use?

    The ABA routing number that should be used for ACH & Wire Transfers (071000152) is printed just above the memo line. The ABA routing number printed at the bottom of the Ally Demand Note checks (071923828) is used only for Demand Note check processing.

  • I completed the online enrollment and am trying to complete a funds transfer. Why don't I see my transfer account information?

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