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Ally Bank Spending Account

The get200 bonus signup is closed.
The get200 bonus signup is closed.

You can still unlock our great Spending Account features.

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Already signed up?

If you opened a new Ally Bank Spending Account using promo code GET200, complete the following steps to lock in your bonus. 

Number one icon

Fund your new Spending Account with any amount within 30 days of opening it.

Number two icon

Set up one or more direct deposits. 

Make sure they total at least $1,500 within 90 days.

Haven’t set up direct deposit yet? It's easy. 

  • Find your account number by logging into your account or in the Ally Mobile app.

  • Use our routing number: 124003116.

  • Contact your employer for directions or use our form (PDF).

Number three icon

Get your $200.  

We’ll deposit your bonus within 30 days of your account receiving $1,500 in qualified direct deposits.

For more details, check out our  terms and conditions  (PDF).

What to expect from our Spending Account.

Our Spending Account is a checking account but better. It's free from hidden fees — but full of all the features you need like standard free checks and easy online banking.

  • Early direct deposit. Payday becomes YAY-day when you can get paid up to two days sooner.

  • No fees. No minimums. Keep more of your money with no minimum balances, no hidden fees and no overdraft fees, ever. 

  • Serious security. Enjoy the peace of mind that comes with your money being FDIC-insured up to the maximum allowed by law. 

  • Sort your spending with buckets. Use buckets to see where your money is going and get the true picture of how much you have available to spend. 

  • Debit card controls. Spend smarter with your Ally Bank Debit Mastercard®. Turn your card on and off, set spending limits and get real-time use notifications in our app. 

Balances less than $15K: 


Annual Percentage Yield (APY) 

Balances more than $15K: 


Annual Percentage Yield (APY) 

Bonus FAQs

We're here to help.

Call us at 1-877-247-2559  if you have questions.

Deposit products are offered by Ally Bank, Member FDIC. For more details, check out our terms and conditions (PDF). Deadlines are subject to change. 

The Ally Bank Spending Account has an Annual Percentage Yield (APY) of 0.10%, with a minimum daily balance of less than $15,000 and a 0.25% APY with a $15,000 minimum daily balance. No minimum balance is required to open or earn APY. APYs are variable, subject to change, and are accurate as of . Fees may reduce earnings.