Demand Notes

Easy and convenient investing for the Ally Financial family

Manage your Demand Notes online

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Enroll in Online Access

Current Rates

Effective Dates: 09-26-2016 through 10-02-2016

Principal Amount Rate Yield
Under $15,000 0.85% 0.85%
$15,000 through $50,000 1.00% 1.01%
Over $50,000 1.15% 1.16%

Review the prospectus (PDF 40 KB) for further details on tiered rates and compound yields.

See the Ally Demand Note rate history (PDF 18 KB).


Demand Notes are a convenient way for eligible members of the Ally Financial family to invest funds with a leading U.S. financial services firm.

Low initial investment

  • Jump in and maintain a minimum balance of only $1,000
  • Make additional investments (minimum $50) at any time

Favorable rate of return

Easy access to funds

  • Free checks and unlimited check writing (minimum $250)
  • Online transfers and transaction records

How to Invest

Demand Notes are unsecured debt obligations of Ally Financial offered in the U.S. by prospectus only. Investing is easy:

  1. Confirm eligibility
    Demands 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). Eligibility also extends to associated Ally Financial dealers and their employees.
  2. Read prospectus (PDF 184 KB)
    Before investing, review the prospectus, registration statement and other documents we filed with the Securities and Exchange Commission. You can get these at no charge by visiting EDGAR, the SEC's online database of corporate financial information. If you have questions or would like us to mail a prospectus, call Ally Financial at 1-800-684-8823.
  3. Download investment form (PDF 569 KB)
  4. Mail investment form
    Include your initial investment of $1,000 or more with your completed investment form and mail to the address on the form.

Demand Notes:

  • Are not FDIC insured
  • Are not bank guaranteed
  • Are not deposits
  • May lose value

Online Access

Once you invest, consider the convenience of managing your Demand Notes online.

With online access you can:

  • View 18 months of transaction history
  • Check your balance
  • See and print copies of checks and statements
  • Set up account activity alerts
  • Log in 24 hours / 7 days a week

To enroll in online access, you’ll need your Demand Notes number and most recent account statement.

To enroll in online access,
you'll need:
  • Your Demand Notes number
  • Most recent account statement

Download Forms

Investment Form (PDF 554.72 KB)

To begin investing in Demand Notes, eligible investors must complete the investment form and mail it along with your initial investment to the address at the top of the form.

Corporate Resolution Form (PDF 504.3 KB)

Use the corporate resolution form to identify individuals who can transact on a Demand Note registered as a Corporation, Trust or Partnership.

Account Change Form (PDF 899.54 KB)

Complete an account change form to submit address and name changes, add investment and redemption options, and make other changes to your note.

Trust Change Form (PDF 508.66 KB)

Use the trust change form to change from an Individual/Joint Note to a Trust, or to change your Trustee/Co-Trustee.


  • Am I eligible to invest in Demand Notes?

    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.

  • 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

  • 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.

  • 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.

Still have questions? Visit our Help Center.


Demand Notes Customer Service

Mail Ally Demand Notes
The Northern Trust Company
P.O. Box 75707
Chicago, IL 60675-5707
(Please do not send cash)