Ally Bank
  • 1-877-247-2559
  • Open 24/7

IRA Online Savings Account

Bring on the future
Photo of Zack. Ally Employee Since 2015


Smart savings for your retirement

Want to know more? Download our Straight Talk Product Guide

Managing your account is easy

Get the service you need, when you need it. Talk to a real person 24/7, and enjoy the convenience of Online Banking and Mobile Banking.

Looking for IRA forms?

Great rates

Earn a higher rate than traditional IRA savings accounts.


Get more for your money

We offer rates that are consistently competitive.

See how we compare

    Estimate your earnings

    Annual Percentage Yield Estimated Earnings for
    Estimated Earnings

    What we're showing you

    Our Annual Percentage Yield (APY) is accurate as of 06/16/2019. Keep in mind, this rate is variable and may change after the account is opened. Fees may reduce earnings.

    The APYs for other banks are provided by and are accurate as of 06/14/2019. The APYs in this table are for the state of California.

    The IRS may tax withdrawals; please consult your tax professional.


    No surprises

    The most common services and transactions are free with Ally Bank.

    • Monthly maintenance fees $0
    • ACH transfers to your non-Ally Bank account $0
    • Statement copies online $0
    • Incoming wires (domestic & international) $0

    The following services and transactions are available for a fee:

    Overdraft item paid or overdraft item returned (maximum 1 fee per day)
    Excessive transaction(s) fee
    $10.00 per transaction
    Expedited delivery
    Outgoing wires (domestic only)
    $25.00 per hour

    Ally Bank

    It’s good to be different

    We're an online bank, which means we don't have physical bank locations. By eliminating the costs associated with traditional brick-and-mortar banks, we can offer great rates and outstanding customer care.

    With Ally Bank, you get everything you expect from a traditional bank and more:

    • Peace of mind. No hidden fees. No maintenance fees. No minimum balance required
    • Make deposits. Deposit checks with Ally eCheck Deposit℠ or ACH transfers
    • Keep track. Access your account anytime, anywhere with online and mobile banking

    Learn more about the benefits and conveniences of Ally Bank.

    Live customer care
    always available

    When you want to build a better financial future

    Whether you're starting to save or planning for retirement, we offer you the resources and the tools that can help you stay on track in any life stage.

    • Starting to Save

      Our Emergency Savings calculator can help you decide how much to put away for those unexpected costs.

    • Saving as a Family

      Use our Saving for the Future calculator to identify how much to save toward your goals.

    • Planning for Retirement

      Find out if you're on track to reach your retirement goals with our See How You Compare tool


    We have answers

    Still have questions? Visit our Help Center.