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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.

  • 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.

  • Are Demand Notes FDIC-insured?

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

  • What is the current Demand Notes 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 8:30 AM to 7 PM ET. The phone number is 1-800-684-8823. You can also email the service center at

  • 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

  • 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
  • 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.

  • 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.

  • 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.

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

    A medallion signature guarantee is a way for us to verify that a signature is authentic. We may require a medallion signature guarantee for you to add or change your registration, investment options or redemption options with respect to the Demand Notes. The prospectus describes the circumstances in which a medallion signature guarantee will be needed. The medallion signature guarantee is designed to protect you from unauthorized changes by unauthorized persons. A notary stamp does not meet the requirement for a medallion signature guarantee.
  • How do I get a medallion signature guarantee?

    A medallion signature guarantee can be obtained 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.